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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..


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.