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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, who do not derive income or are involved in a commercial endeavor with their horses, are eligible.

Liability coverage including defense costs are 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