Equine Farm Insurance: What to Know
Equine operations range from private barns to boarding, lessons, and training, each carrying its own liability profile alongside the value of the horses. RunQuotes provides educational context on the coverage concepts owners commonly discuss with licensed professionals. We do not bind or sell coverage.
Optional coverages to consider
Equine Mortality & Major Medical
Mortality coverage is generally intended to respond to the loss of a horse from named causes, and major-medical options may be intended to address certain veterinary events, subject to terms.
Care, Custody & Control
For operations boarding or training horses owned by others, care, custody, and control coverage is generally intended to respond to claims involving animals in your charge.
Riding & Boarding Liability
Premises and operations liability is generally intended to address third-party injury claims arising from lessons, trail rides, or boarding activities.
Farm Property
Coverage on barns, arenas, and tack rooms is generally intended to respond to physical damage from covered perils in the event of a covered claim.
Equipment & Tack
Coverage on saddles, trailers, and arena equipment is generally intended to address physical damage from covered perils, subject to the schedule.
Where claims tend to come from
- •A boarded horse is injured while in the operation’s care, and the claim might be reviewed under care, custody, and control coverage.
- •A lesson rider falls and alleges injury, which could be evaluated under riding and premises liability.
- •A barn fire damages the tack room and stored equipment, and the loss may be considered a covered property claim.
Frequently asked questions
What is “care, custody, and control” and why does it matter?
It refers to liability for animals owned by others but kept in your charge, such as boarded horses. Standard liability forms often exclude this, so a separate coverage is generally discussed for boarding operations.
Are riding lessons a higher exposure?
Lessons and public riding generally increase liability exposure. A licensed agent can explain what coverage may be required for those activities.
Is a horse’s value insurable?
Equine mortality and major-medical options exist, but eligibility, valuation, and named causes vary by carrier. Discussing specifics with a licensed professional is recommended.
Coverages described here are optional and generally intended to respond to the listed exposures in the event of a covered claim. Availability, terms, and pricing are determined by the carrier and vary by operation and state.
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