Posted April 17th, 2018 by Emma.

Horse Show Liability Insurance

The 2018 horse show season is underway. Show committees and managers are busy with their preparations which should include placement of Horse Show Commercial Liability insurance.

Who is covered on your horse show policy? This coverage includes protection for the horse show organization and all of your executive officers and directors, but only while acting within the scope of their duties. The premise owner may be covered as an Additional Insured on an endorsement to the policy.

What are the principal coverages on the policy? In addition to Bodily Injury and Property Damage, the commercial liability policy includes coverage for Medical Payments, Damage of Rented Premises, Products/Completed Works and Personal and Advertising Liability.

Releases: The insurance carrier will require a copy of the Horse Show Release of Liability that must be signed by every competitor. Should there be a claim the show will need to provide a copy of the competitors signed release as proof that the competitor acknowledged the risks involved and the assumption of responsibility. The Horse Show will also be required to submit a written report setting forth the details of any accident or incident and should include the statements of witnesses and medical attendants.

The insured must require that all independent contractors (including clinicians, concessionaires, vendors) who will be on the show grounds furnish the insured with a Certificate of Insurance as evidence that Public Liability insurance, Auto and Worker’s Compensation insurance is in force during the show. In most cases, your organization should be named as Additional Insured on their policy.

Refer to your actual Horse Show Insurance policy and endorsements for important coverage details and do contact your insurance agent if you have any questions.                                                                              

The above featured picture is our own liability agent, Cindy Anderson competing on her horse Brigadier. Cindy is available to answer any questions you may have regarding a Horse Show Liability policy and to ensure you have the proper coverage. You can contact Cindy by email at cindya@bluebridle.com or call at 1-800-526-1711.


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