Commercial General Liability Application

This policy is very important if you perform any commercial equestrian activities such as boarding, instruction, training, breeding, buying and selling horses, etc. The policy protects you in the event that a client or third party sues you for bodily injury or property damage due to your commercial exposures. You can be covered at your own facility, at a facility you lease, or at a multitude of facilities if you teach at various sites. Landowners can be named as Additional Insureds to the policy as well. Limits of $500,000 and $1,000,000 and higher are available, and coverage includes legal defense. Please note: No coverage for horses in your Care, Custody, or Control is provided by the Commercial General Liability policy. You can add this coverage, as explained below. Click here for an application form.

Care, Custody, or Control Application

Equine Care, Custody or Control (CCC) insurance is an essential coverage for all horse operations that care for other people’s horses, including boarding, breeding, and training. Standard General and Commercial Liability policies exclude coverage for personal property (such as horses) in your care, custody and control. This coverage pays all sums you are legally obligated to pay for damage to non-owned horses in your care, custody and control. This coverage does not apply to horses that you own or lease. (See Mortality Coverages for these horses) Click here for an application form.

Excess / Umbrella coverage can provide higher limits of protection above the limits provided by your Commercial Liability, Auto, Watercraft or Employer’s Liability policies. In today’s environment, characterized by rising values and an increasingly litigious society, often primary liability limits of $500,000 to $1,000,000 prove disastrously inadequate to protect your assets. Excess / Umbrella limits range from $1,000,000 to $10,000,000 and include defense costs.