What is equine liability insurance and why is it important?
Simmons Insurance Agency, Inc. is proud to provide insurance for Equine operations.
Equine liability helps protect you from third-party bodily injury and property damage for which you are legally liable. As always, we want to ensure that what you’ve worked so hard for is protected against the unexpected.
The types of equine operations we cover:
- Commercial Equine General Liability Insurance
- Equine Professional Liability Insurance
- Care, Custody, Control Insurance
- Private Horse Owners Liability Insurance
- Riding Club Insurance
- Horse Shows, Clinics, or Equestrian Events Insurance
- Directors and Officers Liability Insurance
- Equine Mortality Insurance
Continue reading below to see what can be included in each type of coverage.
Commercial Equine General Liability Insurance
This type of policy coverage for those whose operations may include horse breeding, boarding, training, and riding instructions. The policy can extend to cover day camps and handicapped or therapeutic riding programs. Coverage is not available for certain types of equine businesses such as public trail rides or rough stock events.
Equine Professional Liability Insurance
Equine professional liability extends coverage to include occurrences of bodily injury or property damage arising out of the rendering or failure to render professional equine or equestrian services.
Care, Custody, or Control Insurance
This type of policy provides coverage for your legal liability for injury or even death of a non-owned horse that is in your care, custody, or control. If you are in the business of boarding or training horses for others, you can choose from a variety of limits that can be added to your commercial liability policy.
Private Horse Owners Liability Insurance
Private horse owners liability provides coverage for individual horse owners against third-party property damage and bodily injury claims. This coverage is not available to those involved in commercial equine business or if your horses are used commercially such as in a lesson program.
Riding Club Insurance
Riding club insurance provides coverages for horse riding or driving clubs. The policy protects the organization, its executive officers and directors, and the members with respect to their liability arising from the club’s activities they perform on behalf of the club.
Horse Shows, Clinics, or Equestrian Events Insurance
This type of coverage includes protection for the individual or organization running the event and also protects the show officials and premise owners. Coverage is provided for negligence that causes bodily injury or property damage to a third party. The coverage period includes the actual show/clinic days and can include coverage for set-up and takedown.
Director and Officers Liability Insurance
Director and officers liability is available for non-profit organizations, regardless of size, who may face a variety of claims or allegations for “wrongful acts.” The insured under this policy includes directors, officers, and committee members.
Livestock mortality is a life insurance policy for your horse, with you as the beneficiary.
We offer all this and more in relation to equine insurance. Please contact us with any questions or to request a quote.
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