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We can make available the industry’s broadest and most comprehensive products available to the modern day horse farm owner. Coverage can be custom designed to meet the specific needs of your operation from a small acreage pleasure farm to a multiple location commercial farm. For example, we can even insure your arena footing and collapse of an indoor arena due to the weight of ice and snow.

Horse Owners are faced with unique liability exposures that may not be adequately covered under personal liability policies, such as homeowner’s policies. A Personal Equine Liability policy is specifically designed to cover the horse owner in the event they are sued by a third party for bodily injury or property damage caused by their horse. Individual owners of personal or show horses, which do not derive income or are involved in a commercial endeavor with their horses, are eligible.

Liability coverage including defense costs is available with limits up to $1,000,000. This includes the cost of bail bonds, pre-judgment interest, and up to $100 per day loss of income if you must miss work to assist in your defense.

 Personal Horse Owner's Liability Application