Horse Insurance

Horse Limited Liability Laws may help you in the event of an equine incident, but they will not prevent you from being sued. Liability horse insurance policies are designed to help protect you if you are sued by someone who is injured or whose property is damaged.

If you are a person who performs a horse-related service for a fee or for barter such as boarding, instruction, training, buying/selling, breeding, officiating, organizing or hosting shows and clinics, etc., you should have a Commercial General Liability (CGL) Horse Insurance policy.

This policy protects you in the event someone sues you for bodily injury or property damage. Also, you should make sure that any independent contractors or vendors that work with you name you as an Additional Insured on their insurance policy, especially if they are an independent instructor and/or trainer working at your facility.

If you own or lease horses that are for your own personal pleasure or show and are not involved in your business, you can add an equine personal liability endorsement to your CGL policy. This coverage will protect you in the event one or your horses injures someone or damages their property and you are sued.

If you are an independent trainer and teach out of more than one facility, your CGL Horse Insurance policy will follow you wherever you teach and coach (i.e. various facilities, horse shows and events). It can also cover you for any clinics you may give.

Even if you make your clients sign a release of liability you can still be sued. Best bet is to get a CGL Horse Insurance Policy.