equine commercial general liability INSURANCE (CGL)
Available to professionals breeding, boarding, training, instructing, and/or operating any eligible equine facility, the Equine Commercial General Liability insurance policy provides coverage for bodily injury or property damage to third parties arising from declared commercial equestrian activities.
This equestrian liability insurance can be extended to provide on-premises coverage for independent horse trainers or riding instructors while acting within the scope of their duties at your operation. Independent riding instructors and horse trainers should obtain their own CGL coverage for activities outside of your operation.
Should a clinician need liability coverage for an event at your facility, the clinician can be added to your CGL equine insurance policy as Independent Trainer or Instructor.
If you have a CGL equine insurance policy, your spouse is automatically covered by the policy. If you have children that are of legal age, they need to be listed as an Additional Insured on your policy for coverage to apply unless they are an employee of your operation. Employees are an insured while working within their job descriptions.
Only activities that are declared on the application and accepted by the company are eligible for coverage. Undeclared activities are not covered.
equine personal liability (EPL)
Available to a horse owner or the lessee of a horse, this Equine Personal Liability coverage is designed to provide coverage for bodily injury or property damage to third parties caused by your personally owned or personally leased horse when used for personal or pleasure purposes. This type of Equine Liability insurance coverage can be written as an individual policy or this coverage can be added to a CGL policy.
EPL policies can automatically include your spouse and your children of any age when written as an individual policy.
care, custody or control (CCC)
Do you know that most Commercial Liability Policies exclude coverage for death or damages to non-owned horses in your Care, Custody or Control?
Care, Custody & Control (CCC) insurance can cover you if you become legally obligated to pay for damages because of the death, theft or humane destruction of a non-owned covered animal in your Care, Custody or Control.
You need this coverage if you: Board, Breed, Train or Transport horses for others, and possibly for other activities as well. Please contact our office for a quote.
equine event
Liability coverage is available for individual horse shows, clinics or equestrian events. Coverage is provided for the actual event days declared and includes days for both setup and takedown.
A completed application should be received in our office a minimum five days prior to the event. Please include Competition Fact Sheet with application.
To access forms, please visit our online form page.
For more information on Equestrian Liability Insurance, visit our FAQ page.
If you are interested in insuring your farm and other property, visit our Horse Farm Insurance Page.
If you are interested in insuring your horse, please visit our Mortality and Horse Insurance Quote pages. And to discover more information about equine insurance and health care topics, please visit our "On The Go With EMO" newsletter archive for a treasure trove of articles and tips.