Equine coverage
Equine Business Insurance
For the operation that pays the bills. Liability, care, custody and control, and property built around how horse businesses actually run.
When horses are how you earn, a personal policy will not hold up. Equine business insurance covers the liability of working with the public, the horses you keep for clients, and the property you run the operation on.
Boarding, training, lessons, breeding, sales, the exposure shifts with each one. We place you with carriers that write commercial equine risk every day, so the policy fits the work.
What a business policy covers
Equine Business Insurance at a glance.
Commercial general liability
The core cover for injury and damage claims tied to running a horse business with clients and the public around.
Care, custody and control
Protects you when a horse owned by a client is injured or dies while in your care, the exposure that keeps barn owners up at night.
Business property
Buildings, equipment, and contents used to run the operation, covered against fire, theft, and damage.
Loss of income
Helps replace revenue when a covered loss shuts the operation down for a stretch.
Named perils for client horses
Options to cover boarded and training horses for specific risks beyond your care liability.
Who it fits
- Boarding and training barns
- Lesson and clinic programs
- Breeding and foaling operations
- Sales and bloodstock businesses
- Anyone earning income from other people’s horses
Good to know before you quote
Care, custody and control is the priority
For a boarding or training barn, this is the coverage that matters most. A client horse hurt on your watch can end a business without it.
Headcount and revenue
Carriers price off how many horses you handle and what the operation brings in, so have rough numbers ready.
Contracts still matter
Good boarding and training agreements work alongside coverage. Insurance backs the contract, it does not replace it.
Start your quote
Tell us about your horse.
A few details is all it takes. We pull terms from up to five carriers and walk you through what fits. No cost, no obligation, no call-center runaround.
- 1 You share the basics below
- 2 We compare carriers for your horse and use
- 3 You pick the policy and we bind it
Rather talk it through? Call (800) 555-0143, option 3 for a specialist.
Straight answers
Equine Business questions, answered.
What is the most important coverage for a boarding barn?
Care, custody and control. It covers client horses that are injured or die while in your care, which standard liability excludes. For a boarding or training barn it is the coverage a single bad day can hinge on.
How do carriers price equine business insurance?
Mainly off how many horses you handle, your annual revenue, the services you offer, and your claims history. A clean record and solid contracts help your terms.
Do I need workers compensation?
If you have employees, most states require it. It is a separate line from your liability and property, and we can point you to a market that writes it.
Is loss of income worth adding?
For an operation that depends on a single barn or arena, yes. If a fire shuts you down for months, loss of income coverage helps keep the business alive while you rebuild.