Private Horse Owners Liability

A horse owned by an insured may be one of their most important possessions, but it can also be their biggest liability. Individual horse owners place themselves and their assets at risk every time their horse comes in contact with people. Equine-related lawsuits occur more frequently than you may think, and many homeowners’ policies limit this type of equine liability coverage or exclude it altogether.

The Private Horse Owner’s Liability policy protects the insured against legal claims that their horse caused bodily injury or property damage to a third party on or off premises—even if their horse is kept at an independently owned stable.

Coverage Highlights
  • Coverage applies on or off premises anywhere in the U.S., Canada and U.S. territories
  • Limits of $300,000 to $1 million available
  • General Liability aggregate limits up to 3 times the liability per occurrence limit
  • Medical Payments up to $5,000 included
Optional Coverages
  • International Liability (covers horses taken outside the continental U.S. to specified countries for shows, exhibitions, etc.)
  • Commercial Umbrella Liability (with limits up to $10 million)
  • Liability coverage for the horses at home, boarding facilities, rodeos, horse show and trail rides available.

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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