INDIVIDUAL HORSE OWNER LIABILITY
Horse owners are faced with unique liability exposures that may not be adequately covered under normal personal liability policies such as a homeowner policy. Our carriers have specifically designed an equine insurance policy to cover the horse owner's legal liability for both bodily injury and property damage to others resulting from horse ownership. Individual owners of personal horses or show horses who do not derive income nor are involved commercially are eligible.
Equine liability coverage, including defense costs, is available with limits up to $1,000,000. Prices are very competitive, beginning at only $40 per horse, subject to minimum premiums.
This equine liability coverage includes the promise to pay all sums you are legally obligated to pay for "Bodily Injury" and "Property Damage" arising from your horse ownership, plus costs to defend you. This includes the cost of bail bonds, pre-judgement interest and expenses you incur in assisting us in your defense, including up to $100-per-day loss of income.
Note: Before downloading, please contact us to select the correct application.
This document requires Adobe Acrobat Reader.
Download Adobe Acrobat Reader 5.0
The coverages described above are summarized and subject to the terms, conditions and exclusions printed in the policy. Refer to the policy form for specifics on coverages and limits. Also, all coverages are subject to state law, which may vary materially from stated information.