Why These Dog Breeds are Blacklisted by Insurance Companies

The Belgian Malinois, one of four native Belgian shepherd breeds, was developed in the late 19th century for herding and guarding livestock. Renowned for intelligence, agility, and work ethic, it quickly gained recognition in police, military, and protection work around the world. Its speed, focus, and trainability make it a top choice for demanding roles.

Malinois are high-energy, driven, and require experienced owners who can provide daily mental and physical challenges. Without structure and training, they can become reactive, anxious, or overly aggressive. Their intensity, coupled with a strong guarding instinct, has put them on many insurer restricted breed lists.