Yep, some are like that. I don't necessarily agree with the umbrella policy- I think each family situation should be considered. I absolutely love having my Yorkie and so do my girls. I can't imagine not having him as part of our family. Granted, they have been with him since the day he was born and the breeder and I were constantly supervising and teaching them how to be with the pups so I'm sure that is helpful. My girls were 2, 4, & 6 when we got him a year ago. Accidents can happen anywhere with any people of any age- children do not hold the trophy in that! This is a topic that has caused drama on here before, just so you know.