Equine Professional Liability Insurance Options for All

Equine professional liability insurance is a must-have for anyone working with horses, regardless of their experience level. This type of insurance can protect you from costly lawsuits and financial ruin in the event of an accident or injury.

There are several options available for equine professional liability insurance, including general liability, professional liability, and equine liability insurance. Each type of insurance has its own unique benefits and coverage levels.

As an equine professional, you may be wondering which type of insurance is right for you. General liability insurance typically covers damages to third-party property, while professional liability insurance covers damages to clients or their horses.

Equine liability insurance, on the other hand, is specifically designed for professionals who work with horses and can provide coverage for a wide range of equine-related activities.

As an equine professional, it's essential to have the right insurance coverage to protect yourself and your business. Equine Professional Liability Coverage, available as an addition to a CGL policy, provides coverage for damages arising from legal liability resulting from any negligent act, error, or omission arising out of the insured's professional equine activities.

Equestrian coaching insurance policies are often excluded from general liability policies, but they should be an integral part of your equestrian risk management plan. Independent coaches and instructors need coverage that follows them from farm to farm and protects them against bodily injury, property damage, and more.

Whether you're a farrier, horse vet, or a horse massage therapist, you'll need an equine liability policy for your business. To maximize your equine liability insurance coverage, you'll want to work with a provider who can craft a policy that covers any exposed risks.

Equine professionals and horse enthusiasts have unique needs when it comes to insurance. Equine Professional Liability Coverage provides protection for damages arising from legal liability resulting from any negligent act, error, or omission arising out of the insured's professional equine activities.

This type of coverage can be added to a CGL policy, offering an extra layer of protection for equine professionals. Personal and commercial coverage provides for legal liability to third parties for bodily injury or property damage arising out of any covered equestrian exposures.

Equestrian Liability Insurance for Equine Clubs is designed to protect horse clubs and associations from unknown or unforeseen risks. This type of policy provides protection for the wide range of activities sponsored or taking place at the club.

Care, Custody, or Control (CCC) coverage protects an insured in the event the insured or an employee of the insured are found legally liable for the death, injury, or theft of a horse in their Care, Custody, or Control. This coverage can be written as an individual policy or added to a CGL policy.

Equestrian coaching insurance policies are often excluded from general liability policies, but they should be an integral part of an equine risk management plan. A policy through a reputable insurance provider, such as Henry Equestrian, means care, custody, and controlled insurance for the horses in your care and also covers injury or death caused unintentionally by horses outside of your care.

As a professional, you're likely aware of the importance of protecting your business from unexpected risks. Equine professionals, in particular, face unique challenges that can put their livelihoods at risk. Equine Professional Liability Coverage is available as an addition to a CGL policy, providing coverage for damages arising from legal liability resulting from any negligent act, error, or omission arising out of the insured's professional equine activities.

Farriers, vets, and other equine specialists can benefit from Equine Liability Insurance, which is tailored to their specific needs. This type of insurance can help cover attorney's fees, court costs, and liability judgments.

Directors and Officers Liability Insurance is another crucial aspect of professional coverage. This type of insurance covers defence expenses and financial damages, protecting directors and officers from personal liability.

Here are some key types of professional coverage to consider:

These types of coverage can provide peace of mind and financial protection for professionals in the equine industry. By understanding your specific needs and risks, you can craft a comprehensive insurance policy that covers your business from attorney's fees, court costs, and liability judgments.

As an equine professional, it's crucial to have the right insurance coverage to protect yourself and your business. Commercial insurance options are available for professionals who breed, board, train, instruct, and/or operate an equine facility.

You can choose from policies like Equine Commercial General Liability (CGL), which provides coverage for bodily injury or property damage to third parties arising from declared commercial equestrian activities. This policy can also be extended to provide on-premises coverage for independent trainers or instructors.

Equine Commercial General Liability policies typically have limits of liability available from $300,000 to $1,000,000, and they also pay all legal costs associated with a claim or lawsuit in addition to the limit of liability. Some policies may require additional applications, such as the Equestrian Day Camp Supplemental Application or the Pony Rides Supplemental Application.

Here are some key commercial insurance options for equine professionals:

Equine coaching insurance is another important option, as it can provide coverage for independent coaches and instructors who need protection against bodily injury, property damage, and more. This type of insurance can follow the coach from farm to farm and protect them against unintentional injuries or death caused by horses outside of their care.

Commercial General policies are a must-have for professionals in certain industries. Equine Commercial General Liability (CGL) is a type of policy that provides coverage for bodily injury or property damage to third parties arising from declared commercial equestrian activities.

This policy is available to professionals who breed, board, train, instruct, and/or operate eligible equine facilities. It's a must-have for anyone in the equine business.

The policy can be extended to provide on-premises coverage for independent trainers or instructors, giving them added protection and peace of mind.

If you run a horse business, you'll want to consider Commercial Equine Liability coverage. This type of insurance provides protection against bodily injury and property damage claims or suits resulting from your horse business activities.

For example, if a horse kicks someone at a show, or a horse gets loose and runs into the road, causing damage to a vehicle and possible injury to its occupants, this coverage will protect you.

The limits of liability for Commercial Equine Liability are available from $300,000 to $1,000,000. A special feature of this policy is that it pays all legal costs associated with a claim or lawsuit, in addition to the limit of liability shown on the policy.

To apply for Commercial Equine Liability, you'll need to submit an Equine Commercial General Liability Application. Depending on your business, you may also need to submit supplemental applications, such as the Equestrian Day Camp Supplemental Application or the Horse Drawn Vehicle Rides Supplemental Application.

Here are some examples of businesses that may need to submit these applications:

Event and Show Insurance is a crucial aspect of equine professional liability insurance. Liability coverage is available for individual horse shows, clinics, or equestrian events, and it includes days for setup and takedown.

You can choose from a range of liability limits, including $300,000 to $1,000,000. This coverage applies to spectators who may be injured at your event, but it doesn't cover exhibitors or participants.

Equine event organizers can secure coverage for a variety of events, including equestrian competitions, parades, gymkhanas, trail rides, and horse clinics. Coverage is available for single events, series of events, or annual policies, and it includes event liability for injury or damage attributed to your organization.

Here's a breakdown of the types of coverage available for equine event organizers:

Coverage options include event liability, liquor liability, care, custody and control liability, and cancellation and weather insurance.

If you're hosting an equine event, you'll want to consider an Event CGL Policy. This type of coverage is available for individual horse shows, clinics, or equestrian events.

The policy provides liability coverage for the actual event days declared, including setup and takedown days. This means you're protected in case something goes wrong during the event.

You can choose from different limits of liability, which include $300,000, $500,000, or $1,000,000 per claim, along with $5,000 medical payments per person.

Here are some key details to keep in mind:

Horse shows can be a thrilling experience, but they also come with risks. Liability coverage is available for individual horse shows, clinics, or equestrian events, covering setup and takedown days in addition to the actual event days.

This type of coverage is essential for protecting yourself and your organization from potential lawsuits. Horse Show & Short Term Event Liability provides liability insurance protection for shows, clinics, and seminars, with limits of liability available from $300,000 to $1,000,000.

The coverage applies to spectators who may be injured at your event, but not to exhibitors or participants. It's crucial to note that the information provided here is a brief summary, and you should contact Star H Equine Insurance or review your policy for more detailed information.

Equine clubs and associations can also benefit from liability coverage, specifically designed for public event days where non-members participate or the general public is invited. This policy provides a sense of security and peace of mind, allowing you to focus on planning and executing a successful event.

Horse show insurance is a must-have for any equestrian event organizer. Liability coverage is available for individual horse shows, clinics, or equestrian events, and includes days for setup and takedown.

With horse show & short term event liability insurance, you can provide protection for spectators who may be injured at your event. The limits of liability available range from $300,000 to $1,000,000.

Equestrian coaching insurance is also essential for independent coaches and instructors who need coverage that follows them from farm to farm. This type of insurance protects them against bodily injury, property damage, and more.

Horse shows can be a complex and high-risk event, with trailers full of horses, large crowds of people, and unfamiliar equipment. Fortunately, you can secure coverage to avoid being held liable if things don't go as planned.

Here are some key features of horse show insurance:

This type of insurance can cover single events or a series of events, and provides coverage for your organization, its board, volunteers, and employees, as well as venue owners, sponsors, and other named individuals.

If you're part of an equine club or association, you'll want to consider a Clubs & Associations Policy to protect yourself and your organization from liability claims. This policy is designed to provide liability coverage for equine member organizations and their public event days.

Public event days are those activities in which non-members participate or to which the general public is invited. This could include shows, practice rides, fundraisers, clinics, or other events.

The policy will protect you against claims or settlements related to injured individuals or damaged property from activities taking place at your club. This is especially important for equine clubs and associations, as they often host events where the general public is in attendance.

You can select limits of liability of $300,000, $500,000, or $1,000,000 per claim, including $5,000 medical payments per person. Most insurance companies will include up to 7 event days within the policy minimum premium.

Here's a breakdown of the typical coverage included in a Clubs & Associations Policy:

This policy also includes full legal defense costs in addition to the limit of liability and Fire legal Liability up to $50,000 for facilities you may be renting.

Therapeutic riding programs can be a wonderful way to help people with physical or emotional challenges, but they also come with risks. A Therapeutic Riding Program Liability policy provides protection for directors, partners, volunteers, and instructors in the event of a liability claim or lawsuit.

This type of policy is essential for events open to the public, such as fundraisers, picnics, and demonstrations, including Special Olympics events. Coverage is available up to $1,000,000 per claim.

Equestrian coaching is a separate area that requires its own insurance policy. Equestrian coaching insurance policies are often excluded from general liability policies, so it's crucial to have a dedicated policy that covers independent coaches and instructors.

If you're an equestrian coach or instructor who travels to various barns, you need your own liability coverage. This will protect you in case someone is injured or property is damaged as a result of your activities on another's property or your own property.

For example, if a horse kicks someone or gets loose and causes damage, your policy will help cover the costs. Similarly, if a rider is thrown and injured during a riding lesson, your policy will provide protection.

Here are some key things to consider when it comes to equine professional liability insurance:

Directors and Officers Insurance is a crucial component of equine professional liability insurance. It provides financial protection to equine business owners, directors, and officers in case they are sued for their actions or decisions.

This type of insurance can cover defense costs, settlements, and judgments, which can be especially important for equine professionals who may be held personally liable for business-related incidents.

Directors and Officers Insurance typically covers claims such as breach of fiduciary duty, mismanagement, or neglect of duties.

Businesses with multiple owners or directors may find this type of insurance particularly beneficial, as it can help protect their personal assets from lawsuits.

Equisure, part of the Amwins Underwriting division, has over 30 years of experience in providing insurance for equine facilities and related exposures.

Their Equine program offers general and professional liability coverage for equine facilities, instructors, trainers, and other equine-related exposures. This program is designed to understand the passion and the sport of horse owners.

Equisure's Equine program is available nationwide and offers surplus lines, A.M. Best rated "A" carrier coverage.

Their program highlights include commercial general liability, including professional liability (occurrence form), and low minimum premium of $750.

Here are some of the industries and businesses that Equisure's Equine program can cover:

Their policies offer liability limits of $500,000 per occurrence to $4M aggregate, and liability coverage applies on and off-premises. Fire legal is provided at no charge starting at $50,000, and medical payments of $5,000 are included with the option to increase.