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
- Commercial general liability
- The main 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.
Insurance by line of work
Each equine business carries a different mix of risk. Start with yours.
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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.
Wondering what coverage runs? Read the horse insurance cost guide or see how quotes work.
