Stable Liability Policy

The protection you need for commercial stable activities are vital for stable owners, trainers, instructors and for others in the equine business. Examples include but are not limited to:

  • Boarding
  • Breeding
  • Clinics
  • Horse Events (Sales and Shows)
  • Private Lessons
  • Riding Academics
  • Riding Clubs

Provides Bodily Injury or Property Damage to others who the Insured is held liable for as a result of his/her horse-related activities.

Coverage Highlights

  • Riding Schools Trainers
  • Clinics Horse Shows/Horse Sales
  • Boarding, Breeding, or Show Stables
  • Private Horse Owners
  • Riding Clubs

Limits Available

  • $500,000 Occurrence/$1,000,000 Aggregate or $1,000,000 Occurrence/$2,000,000 Aggregate
  • $1,000,000 - $3,000,000 excess is available
  • $5,000 Med Pay ($10,000 Med Pay may be available)
  • $50,000 Fire Legal ($100,000 Fire Legal may be available)

Types Of Ranches/Farms

  • Annual for most policies. Short-term for horse shows/sales/clinics

Care, Custody and Control

  • The Equine Care, Custody and Control insurance is an essential coverage for all horse operations which involve non-owned horses, including boarding, breeding and training. This coverage does not apply to horses that you own or lease.

Coverages and exclusions differ by carrier and by state. Specific concerns can be discussed with an underwriter.