Boarding Cat Clearwater

Individual Horse Owner's Liability

Commercial liability is needed by those who perform any commercial equine activities such as boarding, instruction, training, and breeding. This coverage protects you in the case you are sued by a third party who is injured or whose property is damaged. As any damage that exceeds your policy limits will come out of your personal assets. Again, the more personal assets you have, the more coverage you need.

If you are an individual horse owner, it is important to be covered for any property or bodily damage that you horse might cause. Sometimes your homeowner's policy will cover damages caused by your horse, so check your policy carefully. If your policy does not cover these things, contact an equine insurer to determine what types of additional coverage you need. How much do you need? That depends on your situation and your agent, or a lawyer, can help you. A good rule of thumb is the more personal assets you have, the more coverage you need. Coverage should include the promise to pay all sums you are legally obligated to pay for bodily injury and property damage arising from horse ownership, plus the cost to defend you.

Commercial Equine Liability

Equine Professional Liability Coverage

Whether you are the owner of a single horse, the proprietor of a boarding stable, or a horse trainer, chances are you should be protected by equine insurance. The question is, what type of insurance do you need, and how much? We've outlined several different types of equine insurance below. Before making any final decisions, always consult with your insurance agent and/or your lawyer to determine the type and amount of coverage you need.