Private Horse Owners Equine Liability Insurance

Private horse owners can obtain equine liability insurance for their activities related to the personal use of their privately owned horse while on or off their property. All owned horses must be declared on the insurance application regardless of their location. The private horse owners liability insurance policy is not available to anyone in a commercial equine business or if your horses are used commercially such as in a lesson program. (Note that a Homeowner policy may exclude or limit coverage for equine liability.)

Refer to the Liability Insurance page for details on Equine Liability insurance.

Note: In order to obtain a quote, the Private Horseowner Liability application must be completed. It is available on our Forms page.

Besides covering the liability associated with horse ownership, consider the current value of your horse. A periodic review will help you to determine if your insurance protection is adequate. Contact Us for more information on coverage available to you.