Horse Insurance -- What Kind of Horse Insurance Coverage Should You Have?

What Kinds of Horse Insurance Coverage Are Available?

• Commercial equine liability insurance--Commercial liability insurance generally is used by professionals who board or train horses or provide riding instruction. It is designed to protect the equine professional from financial harm in case they are sued as a result of their business activities.
• Personal equine liability insurance--Personal equine liability insurance is for individuals who own or lease horses, and is designed to protect the policy holder from financial loss if they are sued by a third party who was harmed by their horse.
• Horse mortality insurance--Horse mortality insurance is life insurance for horses: it's a policy that will pay out upon the death of the horse (from causes covered by the policy). It is generally purchased for the amount of the horse's replacement value, which can be is often established based the horse's purchase price, as well as other factors including the horse's show record, or the amount of training a horse has received.
• Equine major medical insurance--Equine major medical insurance is designed to prevent horse owners from having to make medical treatment decisions for their horses based on their own ability to pay for the treatments. Equine major medical insurance is designed the cost of medical treatments (within policy limits) that result from a horse becoming injured or sick.
• Equine loss of use insurance--Equine loss of use insurance is designed for horse owners who would to buy a policy that would give them a cash payment should their horse become permanently unfit for its current use due to illness or injury.
• Horse theft insurance--Horse theft insurance provides the policy holder with a cash payout for the insured value of the horse in the event that the insured horse is stolen.
• Horse hauler liability insurance--Horse hauler insurance is designed for individuals who are in business hauling horses for profit. It often covers legal fees as well as liability coverage (within policy limit) if a horse hauler gets sued by a client whose horse was injured or killed in transit.
• Horse Infertility insurance--Horse infertility insurance is intended primarily for breeding stallions but can also be purchased for mares. The policy provides a payout if the horse proves to be infertile due to either physical conditions that they were born with, or injury or disease that they acquired.
• Horse club liability insurance--Horse club insurance is designed to be used by horse clubs (i.e. Pony Clubs, breed association clubs, etc.). It provides liability coverage during club events such as clinics, parades, shows and meetings.
• Horse show insurance--Horse show insurance provides liability coverage for horse show organizers.

Horse Insurance Companies

More Information for Horse Owners