Animals can be unpredictable. A kick from a horse or a dog bite can have major consequences. Owners are liable, in principle, for the loss caused by their animal’s unpredictable behaviour. This is called vicarious liability: You are liable simply by having an animal that causes loss or damage. After all, you take a certain risk by having this animal, as it might cause damage to others. In almost all cases, the animal’s owner must pay the loss.