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Horse | Equine | Trainer Boarding Liability Insurance

Commercial Equine Liability provides the necessary liability protection for Horse related operations as listed below.  Coverage is offered by various insurance companies with limits up to $1 Million per occurrence and $2 Million dollar aggregate.

Higher limits are available upon request.

  • Show Training
  • Race Training
  • Riding Instruction
  • Boarding
  • Breeding
  • Sales & Clinics

This insurance is designed to provide coverage if your horse or a clients horse causes property damage or bodily injury on or off your premises such as at a show or another facility (i.e. - instructor or trainer who travels to clients' facilities).  This coverage is important if you are engaged in commercial equestrian activities such as boarding, instruction, training, breeding or buying and selling horses. Coverage may be extended if you also engage in these activities off site, (for example - a riding, but also works out of their own location).

PLEASE NOTE: Legal liability for non owned (boarded) horses in your care is excluded from the commercial equine liability policy.
This coverage is available in the form of a separate care, custody or control policy.

Download Application PDF

*Please note: This website provides only a simplified description of coverage’s and is not a statement of contract.  Coverage may not apply in all states.  When you receive your policy please read the complete details on coverage’s, limits, conditions, exclusions and all endorsements.