Personal Horse Owner’s Liability

If you are NOT involved in any commercial activities, you can obtain liability coverage for your horses that will insure you on and off premises. This policy would protect you in the event that your personally owned horse(s) damaged property or injured a third party.

Limits available:

• $500,000 per occurrence/$1,000,000 aggregate

• $1,000,000 per occurrence/$2,000,000 aggregate

Excess limits available upon request.

We highly recommend the $1 million/$2 million coverage limits. This is because damages can be costly – even with one horse.