| Coverage Summary
A commercial equine liability policy provides
the necessary liability protection for most horse-related
operations. It is intended for amateur and professional
alike, with policy limits available up to $1,000,000
per occurrence and an annual aggregate of up to
$2,000,000.
This coverage is important if you are engaged
in commercial equestrian activities such as boarding,
instruction, training, breeding or buying and
selling horses. Coverage may be extended if you
also engage in these activities off site, (for
example - a riding instructor or trainer who travels
to clients' facilities, but also works out of
their own location).
When a person is injured or property damaged
as a result of your equine operation, the policy
will settle claims for which you are legally liable.
Additionally, it will provide for your defense
in lawsuits - whether the lawsuit has merit or
is groundless. In most cases the policy will also
pay all court costs and judgments. The commercial
equine liability policy may be endorsed to include
coverage for personally
owned horses and professional
errors & omissions. Details of each coverage
may be found by following the respective links
on this page.
PLEASE NOTE: Legal liability for nonowned (boarded)
horses in your care is excluded from the commercial
equine liability policy. This coverage is available
in the form of a separate care,
custody or control policy.
Risks Eligible for Commercial Equine Liability
Include:
- Riding Instruction
- Training
- Boarding
- Breeding
- Horse Sales
Unfortunately we are unable to insure the
following types of business:
- Trail Ride Operations
- Public Horse Rentals
- Therapeutic Riding Centers
- Pony Rides
- Horse-Drawn Vehicle (not municipal) Operations
Get More Information:
A Variety of Limits are Available:
- $500,000 / $1,000,000 - Occurrence / Aggregate
- $1,000,000 / $2,000,000 - Occurrence / Aggregate
- $1,000,000 / $3,000,000 - Occurrence / Aggregate
- $50,000 Fire Legal and $5,000 Medical Payments
are included.
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