Trainers Liability Coverage
Although it is a good idea to have clients read and sign a release of liability, this does not prevent you from being sued. A CGL policy would provide you with coverage for your defense costs and pay any claims up to the policy limits for which you are legally liable due to injury to the body or damage to property. If you are a trainer and don't have a liability policy you are at risk to loose your business and all of your personal assets.
Truck/Semi Hauling Coverage
Will an Auto Insurance Policy cover my horse in transit?
One of our clients asked this very good question. The answer is No.
Your own auto policy covers injury/death or damage to someone else’s property. An auto policy does not cover anything you are hauling in a trailer – your property or someone else’s property. (Horses are considered property.)