Horse owners place themselves and their assets at risk every time their horse comes in contact with people or property. Many homeowners' policies limit equine liability coverage, or many exclude it altogether.
Your horses are an important lifetime investment. Adequate protection against death or theft is critical to the horseman’s personal and financial well being. Adding major medical to mortality will financially assist the owner in the event of unforeseen and life threatening veterinary care. Other policies or endorsements include loss of use coverage, stallion disability, foal coverage, air transit and embryo transfer unborn foal coverage.
Whether your business includes boarding horses, private lessons, clinics, horse sales and shows, or operating a riding academy, liability coverage for bodily injury to others and property damage is imperative. Coverage is provided on an annual basis or as short-term protection for special events, such as horse shows, sales and clinics. Also available is farm & ranch owners insurance, care, custody & control coverage, tack & equipment coverage and accident insurance.
If you own horses but do not operate a commercial horse business, the Private Horse Owner Liability policy can protect you against legal claims that your horse caused bodily injury or property damage to someone on or off your premises. For example, if your horse got loose in the road and caused an accident or injured someone at a show, you could be held liable.
As a horse club, you need protection should a lawsuit arise. This liability policy can provide the protection your club may need for owned or leased premises, public event days, shows and various club functions.