Are You Covered After the Sale of a Horse?

Monday, November 20, 2017
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When you are a riding instructor, trainer or farm owner; from time to time you may either have a horse to sell, or you may act as an agent in the sale of a horse. When you have a Commercial Equine Liability policy and someone was to be injured while "test-riding" a horse, and they were to sue you for negligence for there injuries, then that is something that your policy may cover. What your Liability policy does not cover - is the horse as a product.

For instance, you sell a horse and after the new owner receives the horse, the horse becomes lame. The new owner does some further digging and finds that the horse was treated for a previous issue that was not disclosed to them and now they want there money back.  In your Bill of Sale it states that the horse was sold - AS IS.  Now the new owner has consulted with an attorney and the attorney has decided that they have a case.  This is not something that you have coverage for under your liability policy - as it does not cover horses as a product.

Susan Quinn, Esq., wrote a very informative article about this very subject for the HORSE JOURNAL.  Several states have laws in effect for "Equine - Lemon Law".  Know the laws in your state and talk with your Insurance agent on what you would, and would-not be covered for in the sale of a horse.   Check out Susan' article at

Please contact Mary Phelps, an Equine Insurance Specialists with Markel Insurance Company, or Tracey Scharf, Office Manager to get more information of this very affordable coverage. 1-800-572-3286. Mon. - Thur. 9-4 and Fri. 9-1 EST.