HORSE

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Whether a racehorse, hunter-jumper, or 4H halter horse, your animal can become a terrifying, dangerous beast running through a crowd (somebody didn't just make up the expression "loose horse"), or an inert, half-ton speed bump on a highway.  Either way, a horse not in control can cause a great deal of injury to people and serious damage to property.
If your name is on the papers
it will be on the lawsuit, too!


HERE'S WHAT TO DO:
If you own a pleasure horse, take your Homeowners or Farmowners policy to your insurance agent and have him show you (or better, put it in writing) that:

1.  Your horse is covered under the liability section.

2.  It's covered wherever it is (not just on premises.)

3.  It's covered no matter who is riding it or what activity it's involved in.
If 1 through 3 are answered "Yes" then immediately ask to raise your policy's liability limits to at least $1,000,000.  It really doesn't cost much more than the the usual limits.  Also, consider an Umbrella over your Home- or Farmowners policy.
If you got "No" answers for questions 2 or 3, you are at great risk.  If question 1 got you it's because either your policy simply excludes horses, or your company, accountant, attorney, or the IRS considers your horse activity to be a "business."  So, if you got a single "No" answer, contact Classic for a Stable Liability policy.

While our Commercial Stable Liability policy will cover almost everyone in the equine business, for many horse owners there's an easy and affordable solution:
the Private Horse Owners Policy.
The PHO is an inexpensive way for most horse owners to cover their exposure 
with up to 10 horses, each named on the policy.  The PHO can be used if:
1. You have only pleasure horses with no business exposure (lessons, boarding), or

2. Your horses are a business (like racing or breeding) but are in someone else's care (trainer or breeding/boarding farm).

 

Forms available on Download page.

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