Commercial Equine Liability
When your business is the target of a lawsuit, money isn’t the only thing at stake. Your reputation is on the line, too. Markel’ insurance professionals have years of experience handling equine liability claims. They’ll ensure that a claim against you is resolved fairly, with consideration for all parties involved. 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.
Even with waivers and state laws designed to limit or control liabilities, commercial equine operations are vulnerable. And win or lose, a lawsuit will cost you something. That’s why if you...
board, breed, race or train horses
give riding instruction
conduct these activities on rented premises
own an equine facility protected by property insurance, but not liability insurance
...you need Markel’s Commercial Equine Liability coverage.
Coverage for:
Equine Boarding, Breeding, Riding Instruction, Training & Racing Facilities, Horse Shows & Sales
Coverage & Limits Highlights
Liability limits of $300,000 to $1 million
General Liability Aggregate limits are 3 times the liability per occurrence limit
Commercial general liability coverage applies on and off premises in the U.S, Canada, and U.S. territories
Provides Bodily Injury and Property Damage limits
Fire Legal liability $100,000 at no charge (in most states)
Medical payments $5,000
Limited professional liability coverage for horse, riding instructors and clinicians
Personal/Advertising Injury included
Products/completed operations included
No liability deductible
Defense cost paid in excess of policy limit
ATV/Golf Cart coverage available for equine operations
Participants coverage for horse shows
10% liability credit for approved national association memberships
Other Optional Coverages
Owned Tack & Saddlery
Excess & Umbrella Liability (with limits up to $10 million)
International Liability (covers horses taken outside the continental U.S. to specified countries for shows, exhibitions, etc.)
Care, Custody & Control Coverage
Owning your own horse is a significant emotional and financial investment. Accepting the responsibility of caring for someone else’s cherished and valuable animal is also no small task. And since standard insurers don’t fully understand the risks you undertake when caring for the horses of others, most general liability policies don’t include this special coverage. That’s why the extra protection of Markel’s optional Care, Custody & Control (CCC) coverage is so important. With CCC, you’re covered if an animal in your care is injured, becomes ill or dies, and you are found negligent. This does not apply to horses you own or lease. Mortality insurance is designed for those needs.
Care, Custody and Control provides:
Defense and court costs for litigation, and payment for judgements up to the aggregate policy amount (per animal limit applies)
$10,000 liability limit for non-owned horse equipment
No deductible applies
Available by endorsement to your General Liability or Farm policy
Our Markel "Quick Quote" will take about 15 minutes of your time. We work hard at this process so you don't have to. The application process can sometimes be a daunting task, and we are here to make it easy, so you can spend time with your horses and clients.