Unfortunately, in today’s world, the risks associated with being a horse owner or professional equestrian are significant. Equine liability laws have attempted to distinguish between the inherent risks involved in equestrian activities and negligence. Unfortunately, the laws are subject to interpretation and do not prevent individuals from initiating legal action. Securing the right insurance with adequate limits will assure that you and your business are protected in the event of a liability claim.
PERSONAL HORSE OWNERS LIABILITY
Most homeowners policies do not cover liability that arises out of equine activities. A Personal Horse Owners Liability policy will provide the non-commercial horse owner with the liability coverage they need.
EQUINE FACILITY LIABILITY
This policy provides liability coverage for the professional equestrian involved in activities such as: boarding, training, breeding, horse shows, and lessons. This coverage can be purchased with, or without, property insurance.
CARE, CUSTODY AND CONTROL
Care, custody and control coverage provides liability coverage against injury, theft, loss of use, or death of another individual’s horses while in your care.
This insurance protects the equine professional against liability while in the course of doing business, whether on or off-premise. Such as, while attending shows, training off-premise, clinics etc.
EQUESTRIAN EVENT LIABILITY
Event liability coverage addresses the multitude of exposures associated with hosting an equine event.