Horse Insurance Coverages Overviewed
Horse Owner Liability Coverage
Target audience: Horse owners concerned about being liable for their horses actions.
Typically covered: Injuries or property damage caused by your horse. Example: Your horse kicks a mountain biker while on the trail. Not typically covered: Business activities relating to your horse.
Example: You use your horse for giving riding lessons and one of your students is injured.
Care, Custody and Control (CCC) Coverage
Target Audience: boarding stables, breeding farms, trainers and other commercial equine operations who take on the responsibility of caring for others horses.
Typically covered: risk of loss or injury to another persons horse in your care. Example: Your ranch hand doesn't latch the gate securely, the boss mare lets the other horses out into the alfalfa field and several horses founder as a result.
Not typically covered: Risk of loss or injury caused by horses in your care, loss or injury to your own horses. Example: Those same loose horses get into the parking lot and chew the paint off of several boarders cars.
Commercial Equine Liability Coverage
Target audience: Horse-related businesses, including boarding stables, breeding farms, trainers and sales barns.
Typically covered: General liability relating to operating your equine business. Example: While on your property, a client drives over some used nails you left in the driveway, resulting in six blown tires on your clients truck (unfortunately for you, the truck was a dually!).
Not typically covered: Risk of loss or injury to another person's horse in your care. Example: One of your clients horses walks over those same nails and gets one stuck in her hoof, causing an abscess.
Farm and Ranch Coverage
Target audience: Farm and ranch owners.
Typically covered: Loss to real and personal property. Example: While you are away at a show, someone enters your property and steals your manure spreader and several thousand dollars worth of feed.
Not typically covered: Loss of livestock, general liability. Example: The same burglar steals several of your horses and then on the way out, backs into your clients trailer, which you charge her to park on your property.
Horse Trailer Insurance
Target audience: Horse trailer owners.
Typically covered: Damage/loss to your trailer. Example: The barn bozo backs into your trailer, denting the side, and drives off before anyone notices.
Not typically covered: Damage/loss caused by your trailer. Example: When pulling out of the grounds to get your trailer fixed, you back into the tie rack, knocking it over.
Equine Mortality and Theft Coverage
Target audience: Owners of valuable horses.
Typically covered: Theft and death not caused by the owners negligence or willful misconduct. Example: Your horse is struck by lightning while out in the pasture.
Not typically covered: Death caused by the owners negligence or willful misconduct. Example: You feed your horse moldy hay by accident, he colics and dies.
Stallion Infertility Coverage
Target audience: Breeding stallion owners.
Typically covered: Permanent loss of fertility/breeding ability. Example: You purchase a Breeders Cup winning stallion. Two years into your breeding program, he becomes sterile.
Not typically covered: Death. Example: The same stallion colics and dies.
Named Perils Coverage
Target audience: Horse owners who don't want (or can't get) coverage under mortality or major medical coverage.
Typically covered: Death from certain causes, e.g., fire.
Not typically covered: Death from illness.
Short-term Transit Coverage
Target audience: Horse owners hauling their horses on a short-term basis who don't have mortality or major medical coverage.
Typically covered: Death during transit.
Not typically covered: Injuries during transit.
Target audience: Horse owners concerned about being liable for their horses actions.
Typically covered: Injuries or property damage caused by your horse. Example: Your horse kicks a mountain biker while on the trail. Not typically covered: Business activities relating to your horse.
Example: You use your horse for giving riding lessons and one of your students is injured.
Care, Custody and Control (CCC) Coverage
Target Audience: boarding stables, breeding farms, trainers and other commercial equine operations who take on the responsibility of caring for others horses.
Typically covered: risk of loss or injury to another persons horse in your care. Example: Your ranch hand doesn't latch the gate securely, the boss mare lets the other horses out into the alfalfa field and several horses founder as a result.
Not typically covered: Risk of loss or injury caused by horses in your care, loss or injury to your own horses. Example: Those same loose horses get into the parking lot and chew the paint off of several boarders cars.
Commercial Equine Liability Coverage
Target audience: Horse-related businesses, including boarding stables, breeding farms, trainers and sales barns.
Typically covered: General liability relating to operating your equine business. Example: While on your property, a client drives over some used nails you left in the driveway, resulting in six blown tires on your clients truck (unfortunately for you, the truck was a dually!).
Not typically covered: Risk of loss or injury to another person's horse in your care. Example: One of your clients horses walks over those same nails and gets one stuck in her hoof, causing an abscess.
Farm and Ranch Coverage
Target audience: Farm and ranch owners.
Typically covered: Loss to real and personal property. Example: While you are away at a show, someone enters your property and steals your manure spreader and several thousand dollars worth of feed.
Not typically covered: Loss of livestock, general liability. Example: The same burglar steals several of your horses and then on the way out, backs into your clients trailer, which you charge her to park on your property.
Horse Trailer Insurance
Target audience: Horse trailer owners.
Typically covered: Damage/loss to your trailer. Example: The barn bozo backs into your trailer, denting the side, and drives off before anyone notices.
Not typically covered: Damage/loss caused by your trailer. Example: When pulling out of the grounds to get your trailer fixed, you back into the tie rack, knocking it over.
Equine Mortality and Theft Coverage
Target audience: Owners of valuable horses.
Typically covered: Theft and death not caused by the owners negligence or willful misconduct. Example: Your horse is struck by lightning while out in the pasture.
Not typically covered: Death caused by the owners negligence or willful misconduct. Example: You feed your horse moldy hay by accident, he colics and dies.
Stallion Infertility Coverage
Target audience: Breeding stallion owners.
Typically covered: Permanent loss of fertility/breeding ability. Example: You purchase a Breeders Cup winning stallion. Two years into your breeding program, he becomes sterile.
Not typically covered: Death. Example: The same stallion colics and dies.
Named Perils Coverage
Target audience: Horse owners who don't want (or can't get) coverage under mortality or major medical coverage.
Typically covered: Death from certain causes, e.g., fire.
Not typically covered: Death from illness.
Short-term Transit Coverage
Target audience: Horse owners hauling their horses on a short-term basis who don't have mortality or major medical coverage.
Typically covered: Death during transit.
Not typically covered: Injuries during transit.
