If you have a standard Homeowners Policy or Personal Umbrella Policy, your liability coverage may not extend to incidents involving your horse. Most policies provide coverage for your personal liability only. The Equine Liability Policy provides protection for bodily injury or property damage caused by your horse ownership or equine activities including boarding, breeding, training or providing riding instructions.
What Can I Do?
Obtain Equine Liability Insurance that protects you and your personal assets in the event your horse causes bodily injury or property damage to others. Policies are designed for the Personal Horse Owner or Commercial Operation.
PERSONAL EQUINE LIABILITY – This policy provides coverage for the horse owner who is NOT involved in any other equine professional activity and does not operate their horse ownership as a business.
TO GET A QUOTE: Complete Equine Personal Liability Application
COMMERCIAL EQUINE LIABILITY – This insurance provides vital coverage if you perform any commercial equine activity such as boarding, training, riding instructions, breeding or even horse sales. The insurance covers third party liability claims resulting from bodily injury or property damage to others resulting from your horse related activities.
TO GET A QUOTE: Click Here
We also offer a complete line of equine insurance products developed through our association with superior-rated insurance companies specializing in equine insurance products for horses, horse owners, equine businesses, and horse farms.
An Equine Liability Policy Will:
- Provide coverage for claims asserted against you for your horses’ acts causing bodily injury or property damage to third parties.
- Included a Duty to Defend clause, which will cover the full cost of defending you in an action brought by the injured party, including attorney’s fees and court costs.
- Protect you from paying thousands in legal fees and damages.
DON’T WAIT UNTIL YOU HAVE A LOSS TO FIND OUT IF YOU ARE PROPERLY INSURED. CONTACT SMITH-EMBRY INSURANCE ASSOCIATES, INC.