Markel Monday - Riding Instructors and Trainers Need Commercial Equine Liability Insurance Too

Monday, May 2, 2022
Posted by


Cover-Riding Instructor-Markel Monday-March-2019.jpg

Riding instructors and horse trainers need commercial equine liability insurance too. When teaching a student lesson and/or training horses, your business could be the target of a lawsuit. Money isn’t the only thing that’s at stake. Your reputation is on the line, too.

You need coverage designed specifically for riding instructors, trainers and clinicians. Why? Think of it this way: your business revolves around animals that can kick or spook coming in contact with students, staff, and employees who can fall off or get injured.

It takes an expert to figure out the right kind of coverage for you. And Markel has over 50 years of expertise insuring horses and horse-related businesses.

Markel is also the Official Insurance Supplier of The American Riding Instructors Association (ARIA). Special insurance because instructing students and training horses is a special kind of business.

Equine liability insurance is indispensable for anyone with a horse-related business.

In today’s litigious society, protection against liability claims is an utmost necessity. And riding instruction or horse training operations, such as yours are especially vulnerable – even with waivers and state laws designed to limit or control liabilities.

Unless you have the proper kind of insurance, a lawsuit will cost you money - win or lose.

A Final Thought
Perhaps the most important benefit in carrying a Commercial Equine Liability policy is the fact that a legal defense is provided for you and legal costs are paid by the insurance company if a formal lawsuit is filed against you. Defense costs are paid outside of the policy limits. When owning a horse or operating an equine facility, you are exposed to a liability loss where there is no pre-determined fixed dollar amount that you could lose. We urge you to consider this and to include equine liability insurance as you prepare your annual equine budget. Don’t neglect the “forgotten” equine insurance coverage… your personal or commercial equine liability insurance policy.

MarkelHorsesDaily's Mary Phelps ( is a Markel Equine Insurance Specialist and CSR Tracey Scharf ( provide the personal attention needed to help make the lives of their clients smooth and easy when it comes to the process of insuring your Farm, business and equine mortality needs.

While Mary travels to the shows and barns, you can count on Tracey in the office to be available to answer questions and manage the details with ease. 1-800-572-3286

This document is intended for general information purposes only, and should not be construed as advice or opinions on any specific facts or circumstances. The content of this document is made available on an “as is” basis, without warranty of any kind. This document can’t be assumed to contain every acceptable safety and compliance procedures or that additional procedures might not be appropriate under the circumstances. Markel does not guarantee that this information is or can be relied on for compliance with any law or regulation, assurance against preventable losses, or freedom from legal liability. This publication is not intended to be legal, underwriting, or any other type of professional advice. Persons requiring advice should consult an independent adviser. Markel does not guarantee any particular outcome and makes no commitment to update any information herein, or remove any items that are no longer accurate or complete. Furthermore, Markel does not assume any liability to any person or organization for loss or damage caused by or resulting from any reliance placed on that content.
*Markel Specialty is a business division of Markel Service, Incorporated, the underwriting manager for the Markel affiliated insurance companies. © 2022 Markel Service, Incorporated. All rights reserved.