Also, I think you pretty much defined what I was trying to say about comparative negligence. But, when you add joint and several liability to the mix, there can be a problem for Petco. To wit: let's say that dog owner is 15% negligent, dog handler is 35% negligent, and Petco is 10% negligent. There is a separate damages hearing because of the comparative negligence scheme, and the jury thinks "this poor girl needs the money, and Petco has a lot" and determines that this is a million dollar injury. The judge then reduces this award to $600,000 (1 million - (.40 * 1m)). Well, do you think the dog handler is going to have 35% of that amount? Unlikely, so Petco will get stuck with the overall bill while trying to get money out of the now bankrupted handler and owner. Not an enviable situation.