A boarding stable holds two kinds of risk at once. The horses in your stalls belong to clients, and the people walking your aisles are clients too. A single barn fire or a boarded horse lost to an open gate can end a business that took years to build.
Boarding stable insurance stacks the policies a barn needs: care, custody and control for boarded horses, commercial liability for people on the property, and property cover for the barn, arena, and feed. We match you with agents who write barns every day.
Where boarding claims come from
- A boarded horse is hurt or dies
- A horse gets cast in a stall, kicked in turnout, or loose on the road after a gate is left open.
- A boarder is injured on site
- A client trips in the aisle or is hurt by another boarder’s horse.
- Fire or storm damage
- Hay, wiring, and wood make barns vulnerable to fire. Wind and hail hit arenas and run-ins.
- Lost income after a loss
- Boarders leave while the barn is rebuilt and revenue stops while bills keep coming.
What most boarding stables carry
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Care, custody and control
The policy that pays when a client horse is injured, lost, or dies while in your care.
Read about equine business coverage -
Commercial general liability
Covers injuries to boarders, visitors, vendors, and the public on your property.
Read about liability coverage -
Barn and farm property
Rebuilds the barn, arena, fencing, and equipment after fire, wind, or theft.
Read about farm & ranch coverage -
Loss of income
Helps replace board revenue while the operation recovers from a covered loss.
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Workers compensation
Required in most states once you have paid barn staff.
Good to know before you quote
- Full care versus self care
- Full-care board puts more of each horse’s welfare on you. Carriers rate it differently from self-care or pasture board.
- Value the horses in your care
- Your care, custody and control limit should reflect the highest-value horses you board, not the average.
- Boarding contracts
- Clear boarding agreements that spell out care and turnout support your coverage when a claim comes.
Wondering what coverage runs? Read the horse insurance cost guide or see how quotes work.
