Types of Liability Coverage
Care, Custody, and Control
This type of coverage is meaningful for anyone who boards, trains, or breeds horses. Standard General Liability insurance excludes coverage for personal property (such as horses) in your Care, Custody, or Control. This void in your equine liability coverage can be filled if one of those horses is injured or dies while in your care and you are found negligent. The care, custody, and control policy will provide for the medical care or replacement cost of the horse up to the policy limits.
Commercial Equine Liability
This type of coverage is important if you perform any commercial equestrian activities such as boarding horses, riding instruction, horse training, breeding, horse sales, etc. Liability coverage is provided if you are sued by a third party who is injured or whose property is damaged (excluding horses: see Care, Custody, and Control liability). The equine liability policy covers defense fees and pays claims for which you are legally liable up to the policy limits.
Individual Horse Owners
Horse owners face unique liability exposures that may not be adequately covered under normal personal liability policies. Our carriers have specifically designed an equine insurance policy to cover the horse owner's legal liability for both bodily injury and property damage to others resulting from horse ownership. Individual owners of personal horses or show horses who do not derive income nor are involved commercially are eligible.
Riding or Hunt Club
This policy is designed to provide liability coverage for equine member organizations and their public event days. Public event days are those activities in which non-members participate, or to which the general public is invited.
Horse Shows or Events
Liability coverage is available for individual horse shows, clinics, or equestrian events. Coverage is provided for the actual event days declared and includes days for both setup and takedown.
- Liability coverage for programs regardless of the number of volunteers, riders, instructors, and horses.
- Can include able-bodied riding instruction for additional premium.
- Options to cover PATH International model programs and EAGALA model programs
Race Horse Owners
Our carriers provide a Race Horse Owner's Liability Insurance Policy (RHOL) for racing stock owners that are not directly involved in breeding horses, training horses, or racing horses, but contract with independent contractors. Certificates of insurance should always be obtained from these independent contractors. Should a person be injured or property damaged as a result of your horse's racing activities, our carriers will, subject to policy exclusions, defend you in court and pay claims for which you are legally liable. Policy limits are available up to $5,000,000.
Coverage for any activity.
Commercial equine liability coverage is very important if you perform any commercial equestrian activities such as boarding horses, riding instruction, horse training, breeding, horse sales, etc. Make sure to have coverage for any scenario where you are sued by a third party who is injured or whose property is damaged.
Trust our equine specialists with all of your coverage needs.
Our team is comprised of risk advisors and insurance professionals that understand the risks and coverage needed for any equine activity. We know that standard coverages will not cut it, and make it a point to sit down with you to learn about your situation and passions. To learn more about the coverage options that exist contact a member of the Marshall & Sterling Equisport team today!