Your thoughts have turned to the excitement ahead and your plans for the 2021 horse show season. While you are looking forward to your first competition, show managers and show committees must pay attention to horse show insurance requirements.

Horse Show Liability Insurance

Whether you are organizing a USEF licensed horse show or any other public event, you cannot escape the need for liability insurance. When you rent a facility, the owner will include the insurance requirements in your rental agreement. The most common liability limits required are $1,000,000 per occurrence and $2,000,000 aggregate for bodily injury and property damage.

Who is covered on your horse show policy?

The Named Insured horse show organization and all of your executive officers and directors are insured but only while acting within the scope of their duties. The premise owner may be covered as 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, Fire Legal Liability, Products/Completed Works, and Personal and Advertising Liability.

Independent Contractors

The insured organization must require independent contractors, such as vendors and food concessions on the show grounds, to furnish the insured with a Certificate of Insurance. The Certificate provides evidence that their public liability insurance, workers’ compensation employer liability, and motor vehicle insurance is in force. You do not want your organization to be held liable for injury or damages resulting from a contractor’s activities.

Refer to the actual horse show insurance policy and endorsements for important coverage details. Do contact your agent if you have any questions. And do notify your agent immediately if there is an incident resulting in an injury or property damage. Show managers should be thinking ahead to address any and all safety aspects in order to run a successful show and to avoid a situation that could generate a claim or a law suit.