All You Need to Know About Horse Business Liability Insurance

If you’re running a horse business, you probably need liability insurance. There are a few different policies, and they all have different requirements and costs. Here’s what you need to know about each. It’s also important to know whether you’re eligible for a 10% discount if you belong to an accredited professional association.

Commercial Equine General Liability

Commercial equine general liability insurance is designed to protect a business against various liabilities. The policy protects the insured against loss arising out of acts or omissions. Typical coverage limits are one million dollars per occurrence or $2 million per policy year. Some companies also offer savings by attaching deductibles to liability coverage. Commercial equine general liability insurance is important to any responsible horse training or instruction business. It protects your livelihood and ensures customer safety. This insurance covers bodily injury and property damage claims that result from an accident while a horse is in your care or custody.

Limited Loss Coverage

In the horse business, you must have a comprehensive liability policy. Your policy should include coverage for equine activities, including boarding, riding lessons, training, buying, and selling horses. Your policy will also protect you against lawsuits and include defense costs and a limit on legal liability. Horse business liability insurance can cover a wide range of items, including high-value tack equipment, livestock, and bullpens. It also covers business personal property, such as tractors, farm tools, and hay and grain. You can also include motor vehicles on your policy, including pickups, tractor trucks, and horse trailers. If you want to take advantage of this coverage, research the company that provides it. You can check with your insurance agent for this information. Make sure to ask if your policy covers injuries or hospitalization. You can also find this information through your state’s Department of Insurance. The California Department of Insurance maintains a database of admitted and non-admitted insurers.


If you’re looking to insure your horse business, it’s crucial to understand what the legal requirements are. Horse business liability insurance is similar to a homeowner’s policy but covers much more than the actual property. It protects you from liabilities related to horses, including litigation expenses. Horse owners must carefully plan events and ensure that the horses are well cared for and safe. Even with the most care and preparation, accidents can happen. You may be held liable for damages and defense costs without adequate liability protection, which can severely impact your business. As a result, horse business liability insurance is essential to protecting your assets. The commercial equine general liability insurance policy covers horse operations, as well as any programs you might run for handicapped or therapeutic riders. However, this coverage does not apply to public trail rides or rough stock events. Similarly, equine professional liability insurance provides coverage for bodily injury and property damage that may occur during a horse’s activity.


The cost of horse business liability insurance varies based on the business type and the farm size. For example, a small club may require less coverage than a ranch with two dozen horses. Additionally, equine mortality premiums are often calculated as a percentage of the agreed value of the horse. Some states also charge a flat rate for additional coverages. This type of insurance covers the costs of veterinary care and replacing a horse if it becomes ill or injured on your property. It also covers legal defense costs. The liability insurance cost for a horse farm can vary from $2,500 to $5,000,000. The policy also covers defense costs in lawsuits, including bail bonds, interest on judgments against you, and the cost of lost earnings up to $100 per day. Because horses are unpredictable, liability insurance is essential for horse business owners. It can protect owners from financial hardships, even bankruptcy. 

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