Private Horse Owner Liability

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 equine liability coverage or exclude it altogether.

Markel has specifically designed an insurance policy to cover the horse owner's legal liability for both bodily injury and property damage to others resulting from horse ownership. Individual owners of personal or show horses who do not derive income nor are involved commercially are eligible.

Coverage Highlights  

  • Coverage applies on or off premises anywhere in the U.S., Canada, and U.S. territories
  • Limits of $300,000, $500,000 and $1 million available
  • General Liability Aggregate limits are 3 times the liability per occurrence limit
  • Medical Payments $5,000 included
  • Available for horses, donkeys and mules for personal and/or show use
  • 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. 

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