Equine Trainers Insurance
If you train, give riding instructional classes, race, train, board horses, or run any sort of business that
involves equine activity, there is a strong chance you need a commercial horse liability insurance policy.
Commercial Equine liability insurance will cover the cost of damages for liability you or your business
may be charged by law in the event of a claim filed against you. Your policy will also cover the cost of
defending yourself against any claims made. This includes defense costs whether or not the claim is
substantial or without grounds. Policy payments can be extended to bail bonds, expenses incurred at
the request of your defense, and even interest on judgments which may be made against you.
There are horse liability policies for the following situations:
-Boarding stables
-Equestrian Associations
-Horse shows
-Horse control and care
-Horse trainers
-Personal horse owners
-Pony rides
-Polo clubs
-Riding clubs
-Riding instructors
-Rodeo events
-Trail rides
-Therapeutic rides
Existing equine liability laws do provide some protection by providing horse owners and equine business
operators the right to defense against claims, but they cannot prevent you from being sued. In addition,
private home owners insurance or farm owner insurance will not cover any commercial equine activities
such as many of those detailed above. This means that those without equine liability insurance would
have to cover any claims and defense costs themselves, which can become costly enough to cause
financial hardship or even bankruptcy. A good liability policy will protect up to your policy limit in the
event of an accident involving a third party whose property or person is injured and files a claim or sues,
a third party being someone who is not related to you or working for you.
For businesses with employees it’s also recommended you seek workman’s compensation insurance,
as liability will not cover incidents involving those who work for you. If you work with independent
contractors, rather than employees, always ensure they have their own liability policies and request you
be named an “additional insured” individual on the policy. This is especially important for independent
trainers and instructors whose services you may employ often.
Quick Summary: What You Should Know
If you train, give riding instructional classes, race, train, board horses, or run any sort of business that
involves equine activity, there is a strong chance you need a commercial horse liability insurance policy.
Commercial Equine liability insurance will cover the cost of damages for liability you or your business
may be charged by law in the event of a claim filed against you. Your policy will also cover the cost of
defending yourself against any claims made. This includes defense costs whether or not the claim is
substantial or without grounds. Policy payments can be extended to bail bonds, expenses incurred at
the request of your defense, and even interest on judgments which may be made against you.
There are horse liability policies for the following situations:
-Boarding stables
-Equestrian Associations
-Horse shows
-Horse control and care
-Horse trainers
-Personal horse owners
-Pony rides
-Polo clubs
-Riding clubs
-Riding instructors
-Rodeo events
-Trail rides
-Therapeutic rides
Existing equine liability laws do provide some protection by providing horse owners and equine business
operators the right to defense against claims, but they cannot prevent you from being sued. In addition,
private home owners insurance or farm owner insurance will not cover any commercial equine activities
such as many of those detailed above. This means that those without equine liability insurance would
have to cover any claims and defense costs themselves, which can become costly enough to cause
financial hardship or even bankruptcy. A good liability policy will protect up to your policy limit in the
event of an accident involving a third party whose property or person is injured and files a claim or sues,
a third party being someone who is not related to you or working for you.
For businesses with employees it’s also recommended you seek workman’s compensation insurance,
as liability will not cover incidents involving those who work for you. If you work with independent
contractors, rather than employees, always ensure they have their own liability policies and request you
be named an “additional insured” individual on the policy. This is especially important for independent
trainers and instructors whose services you may employ often.
Quick Summary: What You Should Know
