Stable Liability Policy

Protections for commercial stable activities are vital for stable owners, trainers, instructors, and others in the equine business. Examples include, but are not limited to:

  • Boarding
  • Breeding
  • Clinics
  • Horse Events (Sales and Shows)
  • Private Lessons
  • Riding Academics
  • Riding Clubs

Provides Bodily Injury or Property Damage to others for whom the Insured is held liable, as a result of his/her horse-related activities.

Coverage Highlights
  • Riding School Trainers
  • Clinic Horse Shows / Horse Sales
  • Boarding, Breeding or Show Stables
  • Private Horse Owners
  • Riding Clubs
  • Riding Clubs
Limits Available
  • $500,000 Occurrence / $1,000,000 Aggregate or $1,000,000 Occurrence / $2,000,000 Aggregate
  • $1,000,000 ($3,000,000 excess is available)
  • $5,000 Med Pay ($10,000 Med Pay may be available)
  • $50,000 Fire Legal ($100,000 Fire Legal may be available)
Types Of Ranches / Farms
  • Annual for most policies; short-term for horse shows/sales/clinics
Care, Custody and Control
  • Equine Care, Custody, and Control insurance is an essential coverage for all horse operations, which involve non-owned horses, including boarding, breeding and training. This coverage does not apply to horses that you own or lease.

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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