Horse owners place themselves and their assets at risk every time their horse comes in contact with people or property. Equine-related lawsuits occur more frequently than one might expect, and many home-owners’ policies limit equine liability coverage and may exclude it altogether.
Personal Horse Owner’s Liability Coverage (PHO)
This coverage is designed to provide coverage for bodily injury or property damage to third parties caused by the insured’s personally owned horse when used for non-commercial purposes.
Equine Commercial General Liability (CGL)
This coverage is important if you perform any commercial equine activities such as boarding, instruction, training, breeding, horse sales, etc. Coverage can be extended to activities off premises such as a riding instructor or trainer who travels to clients’ facilities but also works out of their own location.
