They’re statistically correlated with incidents of mauling. Nobody is denying the statistical correlation. But there is a difference between observing a statistical correlation between breed and maulings and asserting a causal relationship. My argument is that the assertion that “pit-bulls are innately, biologically predisposed towards violence against people and other animals” is not supported by meaningful evidence. If you are arguing that they are, then you’re gonna have to convince me with more than “insurance companies say they are.”

“If a big corporation says something is one way, it must be so. They have a lot of money, after all.” Your argument is peak “Argument to Authority.” I guess it’s a good thing those insurance companies like AIG were able to effectively assess their degree of risk exposure in the housing markets in 2008 and avoid collapsing when the housing market imploded. Oh, wait…

One of the things we based rates on was the breeds of dog people owned. Pitbulls and certain other dog breeds do not just have a bad reputation because people irrationally fear/hate them, they actually do pose a greater risk.

This is a classic example of someone observing a statistical correlation between specific factors and using that to assert a direct causal relationship between them. It implies that an insurance agency is able to 1) accurately identify every single breed of dog in every single insurance related incident (which is definitely not the case, because I doubt every insurance company is doing genetic testing on every single dog it comes across) and 2) tie a causal relationship between dog breed and incident. If I were going by typical insurance metrics, and to borrow from your analogy of “teenagers as unsafe drivers,” you would also assume that red Camarros, something more expensive to insure than your more conservative sedan, were statistically more dangerous than, say, a white Civic, as if they were what caused their drivers to get into car accidents, as opposed to young, reckless people interested in a fast sports car to simply go out and buy one. These are people who would be reckless behind the wheel of any car, but who are statistically correlated with a particular type of one. But you still mark the red Camaro as more expensive to insure regardless of who buys it because it’s statistically correlated with a higher degree of accidents.

Pit-bulls. Most of their bad reputation comes from organizations that campaign against their very existence and people will quote pit-bull bite statistics with the same lack of irony as a white nationalist quoting FBI crime statistics about people of color.