Commercial Equine Liability

Equine liability insurance is indispensable for an insured with a horse-related business. In today’s litigious society, protection against liability claims is an utmost necessity. Even with waivers and state laws designed to limit or control liabilities, commercial equine operations are vulnerable; and, win or lose, a lawsuit will cost you something.

If you have insureds that board, breed, race or train horses, give riding instruction, conduct these activities on rented premises, or own an equine facility protected by property insurance, but not liability insurance, they need Commercial Equine Liability coverage.

We offer affordable and dependable liability coverage designed specifically for horse-related operations, including boarding, breeding, training and racing facilities, pony rides, horse shows, sales and riding instruction.

If your insured is the target of a lawsuit, money isn’t the only thing that’s at stake. Their reputation is on the line, too. Our insurance professionals have years of experience handling equine liability claims. They’ll ensure that a claim against your insured is resolved fairly, with consideration for all parties involved.

Coverage Highlights
  • Liability limits of $300,000 to $1 million
  • General Liability aggregate limits are up to 3 times the liability per occurrence limit
  • Commercial General Liability coverage applies on and off premises in the U.S., Canada and U.S. territories
  • Provides Bodily Injury and Property Damage limits
  • Fire Legal Liability up to $100,000 at no charge (in most states)
  • Medical Payments up to $5,000
  • Limited Professional Liability coverage for trainers, riding instructors, and clinicians
  • Personal/Advertising Injury included
  • Products/Completed Operations included
  • No liability deductible
  • Defense Cost paid in excess of policy limit
CCC Provides
  • Defense and court costs for litigation and payment for judgments up to the aggregate policy amount (per animal limit applies) b) $10,000 liability limit for non-owned horse equipment
  • Choose from various limits to meet your needs
  • No deductible applies
  • Available by endorsement to your General Liability or Farm policy
  • Owned Tack & Saddlery
  • Umbrella & Excess Liability (with limits up to $10 million)
  • International Liability (covers horses taken outside the continental U.S. to specified countries for shows, exhibitions, etc.)
  • Care, Custody & Control Coverage
  • NOTE: Not all coverages are available in all states.

This listing is not intended to be an all-encompassing record of capabilities, products or services, but merely a guide for representational purposes only.

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RT Specialty employs a team of talented and motivated claims professionals to assist clients on all claims issues. All claims should be submitted to the RT office where the policy originated.

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