Private Horse Owner Liability

Monday, January 22, 2018
Posted by

Markel Monday, Markel Insurance

Markel Monday - Are you covered when your horse comes in contact with people?

Your horse may be one of your most important possessions, but it can also be your biggest liability. Individual horse owners place themselves and their assets at risk every time their horse comes in contact with people. Equine-related lawsuits occur more frequently than you may think. And many homeowners’ policies limit this type of coverage or exclude it altogether. Policy is limited for up to 10 personal owned horses.

Coverage Includes:
• Bodily Injury & Property Damage done by a named horse, on or off premises
• Available for horses, donkeys and mules for personal and/or show use

Coverage Highlights:
• Coverage applies on or off premises anywhere in the U.S., Canada, and U.S. territories
• Limits of $300,000 to $1 million available
• General Liability Aggregate limits are 3 times the liability per occurrence limit
• Medical Payments $5,000 included
• Can be combined with your Mortality policy

Optional Coverages:
• International Liability (covers horses taken outside the continental U.S. to specified countries for shows, exhibitions, etc.)
• Can include competition pulling horses
• Excess Liability (with limits up to $10 million)

NOTE: Not all coverages are available in all states. Markel is admitted in all 50 states, and is rated “A” (Excellent) by A.M. Best Company, Inc.

For the personal attention you deserve contact Mary Phelps & Tracey Scharf at 800-572-3286 – Mary cell/text 859-940-8517 - We are available on the scene, on the road, on the net, and in the office to answer your questions, help you with your applications, and be your direct connection to our Markel Underwriters.

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