Licensed in 45 States • A-Rated Carriers • Industry Specialists • 24/7 Claims Support
What Equine Liability Insurance Covers?
Horses are large, powerful animals, and even the most well-trained horse can cause a serious accident. If your horse injures someone, damages property, or causes an incident away from your property, you can be held personally and financially responsible.
Equine liability insurance protects horse owners, equine businesses, and organizations from those costs — legal defense, medical bills, and settlement amounts. Coverage is available for individual owners and commercial operations across 45 states.
COVERAGE OPTIONS
Coverage by Discipline
Personal Horse Owner Liability
-
Covers bodily injury and property damage by your horse
-
On and off your property, shows, trail rides, events
-
Coverage up to $2,000,000 available
Commercial Equine Liability
-
For boarding, training, lessons, and breeding operations
-
Includes professional liability for equine professionals
-
Required for any horse-related business activity
Care, Custody & Control
-
Covers non-owned horses in your care
-
Essential for boarding barns and trainers
-
Specifically excluded from standard general liability
-
Does not apply to horses you own or lease
Horse Trainer Liability
-
Covers accidents during lessons and training
-
On and off premises protection
-
Equine professional services liability
-
Equine professional sales liability
-
Protection at clinics and schooling event
Horse Club & Association Insurance
-
Covers member organizations and breed registries
-
Protection for public event days and shows
-
Annual or event-specific options available
-
Individual member policies do not cover the organization
-
Available for 4-H clubs and competitive associations
Boarding Barn Liability
-
Covers visitor injuries on your property
-
Combined with Care, Custody & Control
-
Available for private and commercial operations
-
Covers bodily injury and property damage
-
One of the most common coverage gaps for barn operators
Why Horse Owners Choose Remuda Insurance Group?
.png)
We're active in 45 states — one policy, one agent, no matter where your horses travel.
Licensed in 45 States
We work only with financially strong, A-rated insurance carriers. Your claims will be paid.
A-Rated Carriers Only
Our agents understand livestock and equine operations — not just insurance paperwork.
Industry Specialists
Emergencies don't follow business hours. We're available when you need us most.
24/7 Claims Support
Every policy is built around your horses, your operation, and your risk tolerance.
No One-Size-Fits-All Policies
Frequently Asked Questions
In most cases, no. Standard homeowners policies typically exclude livestock liability, have off-premises exclusions, or limit the number of animals covered. Dedicated equine liability insurance is the appropriate coverage for horse owners.
Personal horse owner liability covers privately owned horses used for personal recreation. Commercial equine liability covers horses and activities that are part of a business — boarding, training, instruction, breeding, and sales. If you charge for any horse-related service, you need commercial coverage.
CCC insurance covers horses that are in your care but that you don't own. If a boarded horse is injured while in your care and the owner holds you responsible, CCC covers that liability. Standard general liability specifically excludes it.
We are licensed and actively writing policies in 45 states. Contact us to confirm coverage availability in your specific state and operation type.