If your horse gets out of the field, goes on the road, and gets hit by a car, you could be liable. If you fall at a show and your horse causes damage, you could be liable. If someone stops to pat your horse over a fence and gets bitten, you could be liable.

A Very Affordable Coverage for the Individual Horse Owner

Your horse may be one of your most important possessions, but it can also be your most significant 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. Many homeowners’ policies limit or exclude this type of equine liability coverage. Policy is limited for up to 10 equine animals.

For more than 10 horses, see our commercial equine liability application.

For the personal attention you deserve, contact Mary Phelps, a Markel Equine Insurance Specialist, to assist you with your applications and serve as your direct connection to Markel Underwriters.

• cell/text 859-940-8517
• mary.phelps@markel.com
• Office – 800-572-3286 – 9-5 – EST

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.