If you care for horses you don’t own or lease, you could be held liable if something happens to them.
Whether you board, care for, service, train or handle horses you don’t own in, you should consider horse care, custody and control liability insurance. This coverage protects you from being held financially responsible for the value of the horse, plus any vet, surgical expenses and legal fees if a horse were to die, become injured or ill in your care.
What you’ll discover in this report:
- What’s not covered by your commercial general liability insurance
- What to consider when choosing your limits
- Common claims related to care, custody and control
Does My Commercial General Liability Insurance Cover Care, Custody and Control Liability Exposure?
No.
If a horse escapes your property and is hit by a car, your commercial general liability insurance would cover the damage to the car and to the occupants of the car, but not the horse.
Horse care, custody and control liability insurance is a secondary type of insurance that protects you from the financial burden if anything happens to a horse in your care that you don’t own.
You need to specifically request to add horse care, custody and control liability insurance to your policy. At Henry Equestrian, we’ll let you know which insurance companies offer this insurance and if they sell it as a separate policy.
What To Consider When Applying for Horse Care, Custody and Control Liability Insurance
You’ll be able to choose the limits of insurance but consider your options carefully.
If you care for more than one horse you don’t own, you need to think about the combined total value of all the horses. Why? Because if your barn collapses, all those horses could potentially be injured or die.
You want to make sure you understand your potential maximum loss so you choose the correct maximum value per horse and total possible loss that may need to be paid.
Top Claims Related to Horse Care, Custody and Control Insurance
The most common claim incidents involving horse care, custody and control insurance include:
- A horse you’re training or showing gets hurt while you’re working it.
- While transporting a horse you don’t own to a show, the horse is injured when the trailer unhooks unexpectedly.
- A horse you don’t own gets loose because of a damaged fence or open gates and gets hit by a car.
- Due to negligence of your property, a horse you don’t own gets hurt or dies. Examples may include broken fences, unsafe stalls or problems in the barns or other shelters.
Get Horse Care, Custody and Control Insurance Today
At Henry Equestrian, Powered by NFP, we understand horse care and we want to make sure your operation is protected with the right coverage. Contact us today to learn more or click below for a free, no-obligation quote.