Private Horse Owner Liability
As wonderful as horse ownership often is, there are risks. If you own horses, you could be held responsible for damages that would not be covered under a normal personal liability policy, such as a homeowner policy. For example, if your horse gets loose, runs onto a road, and causes an accident, you could be held liable. If your horse injures someone or something, such as kicking a person or a car, you could be held responsible for the medical costs and repairs.
LEGISequine’s Personal Horse Owner Liability protects you with policies specifically designed for the horse owner’s legal liability for both bodily injury and property damage to others. This type of insurance provides you with legal defense if a claim is made against you. Effective legal defense is a very beneficial aspect to any kind of liability matter.
Should a claim be upheld by a court or other official entity, a Personal Horse Owner Liability policy covers medical expenses and damages the court or official entity determines you owe, within the limits of your policy.
Private Horse Owner Liability Includes:
- Up to $1,000,000 per occurrence in liability limits with additional excess coverage available.
- Costs for Legal defense are outside the policy limits, which means any legal costs will not be applied against the policy limits.
- Coverage applies on or off your premises anywhere in the U.S., Canada, and U.S. territories.
- No fault medical payments up to $10,000 per occurrence.
- Endorsements available to include coverage for your personally owned tack and equipment.
This coverage is not available to individuals involved in commercial equine operations, such as riding instruction, boarding, conducting trail rides, training, commercial breeding, leasing of horses, or those who own more than ten horses. See Commercial Equine Liability for these equine operations.
Forms
Personal Horse Owner Liability – e-signature
(Fillable and Email)
Personal Horse Owner Liability
(Fillable and Print)
Hours 9:00 a.m. EST
4:00 p.m. Pacific
Contact Us
Office: (866) 780-3713
Fax: (818) 748-1532
info@legisequine.com
Reach Us
245 Morris Road
Aiken, SC 29805