What Is Equine Liability Insurance? Explained

Equine Liability insurance safeguards you against legal responsibility for third-party bodily injury and property damage.

Blue Bridle Insurance provides various types of equine liability insurance plans, including:

  1. Commercial equine general liability insurance
  2. Equine professional liability insurance
  3. Care, custody, or control insurance
  4. Private horse owners liability insurance
  5. Riding club insurance
  6. Insurance for horse shows, clinics, or equestrian events
  7. Director’s and officers’ liability insurance
Equine Liability Insurance
Equine Liability Insurance: Photo source (Horse&Rider)

Commercial Equine General Liability provides 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

Care, Custody or Control provides coverage for your legal liability for injury or even the 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 a commercial equine business or if your horses are used commercially such as in a lesson program.

Riding Club Insurance

Riding Club Insurance provides coverage for horse riding or driving clubs.

The policy protects the organization, it’s executive officers and directors and the members with respect to their liability arising from the club’s activities or activities they perform on behalf of the club.

Horse Shows, Clinics or Equestrian Events Insurance

Horse Shows, Clinics or Equestrian Events coverage includes protection for the individual or organization running the event and also protects the show officials and premise owner.

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 take down.

Director’s & Officers Liability Insurance

Director’s & 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.

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