Do you need Equine Liability Coverage?

If you are in the business of boarding horses, training horses, providing riding instruction, if you hold horse shows or clinics, or if you breed or sell horses the answer is YES.

Plamp-Keen Agency, Inc. offers General Liability coverage specifically designed for equine professionals. This policy covers you if you should become legally obligated to pay for third party loss due to bodily injury or property damage arising out of your equine operation.

Potential Exposures include:

• A boarded horse gets loose and is struck by a vehicle causing injury or death to occupants and/or damage to the vehicle
• A student that you are instructing is thrown off or is injured by the horse
• A student is injured while attending a day camp or clinic.
• A spectator at a show is injured by your horse while you are walking to the arena

In any of these scenarios, you could become LEGALLY obligated to pay for damages to a third party. Most homeowner or farmowner policies specifically exclude horse exposures or commercial / business pursuits. Without Equine General Liability you would be forced to pay the damages and legal expenses out of your own pocket. The equine general liability coverage can be written as a stand alone policy or it can be included as part of a farmowner policy.