General Liability Application

Horse Owner’s General Liability Application

Features

Download: Application

The equine industry consists of many unique liability exposures that many standard homeowner and farm owner insurance policies typically exclude or severely restrict. Our liability program for horse owners can provide the necessary legal liability protection for most horse-related operations. It will provide the protection you need for out of your horse business. It is intended for the amateur or the professional. It can be designed for a small two-horse operation or it can cover a large breeding farm.

We can design a program for the small, two-horse
operation or the largest breeding farm
Coverage is available for small individual operators or large commercial equine operations with policy limits of up to $1,000,000.

Regardless of the size of your operation, you’ll be insured for your legal liabilities up to the limits stated in the policy. When a person is injured or property is damaged as a result of your equine operations we will insure against legal liabilities, subject to the exclusions for which you are legally liable.
In addition to this, this policy will make sure you are defended in lawsuits, whether substantial or groundless, and in most cases pay for all court costs and judgments, subject to the limitations and exclusions stated in the policy. Whether your activities involve riding instructions, breeding, racing, showing, boarding, pleasure activities or training, we can custom design a policy to fit your liability needs.

Defense costs for lawsuits are also included in this coverage including the cost of bail bonds, interest on judgments against you and expenses you incur at our request to assist in the defense, including loss of earnings, up to $100 per day.
It important that your horse operation be protected by a company with a strong financial background as well as strong equine experience and expertise to meet your needs in the horse industry.

We answer these needs by providing this and other fine Equirisk products supported by an in-house claims staff specially trained to handle equine operations.