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Liability Insurance Options and Applications

Commercial Equine Liability

Provides liability coverage for bodily injury and property damage claims/suits resulting from your horse business. (summary pdf)

Coverage Summary for Commercial Equine Liability

You should consider Commercial Equine Liability coverage if your horse business involves boarding, training, breeding, riding instruction, shows, clinics etc. This coverage will protect you in case someone is injured or their property is damaged as a result of your horse business activities; for example – a horse kicks someone at a show; a horse gets loose, runs into the road and gets hit by a vehicle resulting in damage to the vehicle and possible injury to the occupants; a rider is thrown and injured during a riding lesson. Limits of liability are available from $300,000.- $1,000,000.

NOTE: A special feature of this liability policy is that it pays all legal costs associated with a claim or lawsuit in addition to the limit of liability shown on the policy.


Equine Instructors and Trainers Liability

Provides liability coverage for Trainers and Instructors. (summary pdf)

Coverage Summary for Instructors / Trainers Liability Insurance

If you are an instructor or trainer and travel to various barns giving lessons or training horses you need your own liability coverage. This coverage will protect you in case someone is injured or property is damaged as a result of your activities on anothers property, or your own property; for example – a horse kicks someone; a horse gets loose, runs into the road and gets hit by a vehicle resulting in damage to the vehicle and possible injury to the occupants; a rider is thrown and injured during a riding lesson.

NOTE: A special feature of this liability policy is that it pays all legal costs associated with a claim or lawsuit in addition to the limit of liability shown on the policy.


Horse Club/Association Liability

Provides liability coverage for activities of your club/association throughout the year. (summary pdf)

Coverage Summary for Horse Club / Association Liability

Because horse clubs and associations host events where the general public is in attendance, this can lead to liability insurance claims being made against them. Coverage under our horse club/association policy is designed to cover all events of the organization throughout the year such as shows, clinics, exhibit booths, meetings, trail rides, parades, etc. in the event someone is injured and tries to hold the club/association responsible. This coverage is often referred to as “spectator coverage” and does not cover members of the club/association.

Generally, the club/association can select limits of liability of $300,000., $500,000 or $1.000,000 per claim, including $5,000 medical payments per person. Most insurance companies will include up to 7 event days within the policy minimum premium. There will be an additional charge for event days over 7. The annual premium for this coverage is usually based on the number of event days per year.

This policy also includes full legal defense cost in addition to the limit of liability and Fire legal Liability up to $50,000 for facilities you may be renting.


Therapeutic Riding Program Liability

Provides liability protection for your therapeutic riding program. (summary pdf)

Coverage Summary for Therapeutic Riding Program Liability

Therapeutic Riding Program Liability policy covers the directors, partners, volunteers and instructors of the therapeutic riding program in the event of a liability claim or lawsuit. It also extends to cover events open to the public such as fund raisers, picnics, demonstrations, Special Olympics, etc. Coverage does not extend to cover injury to the staff, instructors or volunteers. A limit of $1,000,000. Per claim is available.

NOTE: A special feature of this liability policy is that it pays all legal costs associated with a claim or lawsuit in addition to the limit of liability shown on the policy.


Personal Horse Owner Liability

Provides liability coverage for horse owners who have no commercial exposures. (summary pdf)

Coverage Summary for Personal Horses Owner Liability

If you own horses just for your own personal use your Homeowners policy may not extend your liability protection to cover accidents caused by your horse. If not, this coverage will fill that gap and give you horse related liability protection. Coverage limits are available up to $1,000,000 and the rates Are usually around $40 per horse, subject to a policy minimum premium of $250.


Horse Show & Short Term Event Liability

Provides liability insurance protection if you put on shows, clinics, seminars, etc (summary pdf)

Coverage Summary for Horse Event Liability

Horse Event Liability protection is available for anyone who puts on horse shows, clinics, rodeos, seminars, etc. Limits of liability available are $300,000 – $1,000,000. This coverage applies to the members of the public (spectators) who may be injured at your event. It does not apply to exhibitors or participants at your event.

* The information provided here is intended to be a brief summary. Please contact Star H Equine Insurance and/or review your policy for more detailed information.

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