Liability Coverages
Liability policies are available in all U.S. states except Alaska and Hawaii.

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Liability Coverages Explained

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Liability policies are designed to help protect you if you are sued by a third party who is injured or whose property is damaged. A third party is generally someone who is not a family member or an employee. If you have employees, you should obtain workman's compensation insurance or employer's liability coverage. Also make sure that any contractors or vendors that you work with show you proof of their own liability insurance.

Coverage provides for defense costs as well as pays claims for which you are legally liable up to the policy limits. The following annual policy limits are available:

jump $300,000 jump $500,000 jump$1,000,000

Double and triple annual aggregates are also available. Excess limits are available from $1 million to $5 million over commercial liability policies.

Types of Policies

Equine Personal Liability Application
In the event your personal horse injures a third party or damages their property, this policy provides coverage for defense fees and pays claims for which you are legally liable during the policy period.

This coverage is available as a stand-alone coverage or as an addition to your CGL policy.

Equine Personal Liability Wording

Driving Horse Personal Liability Supplemental Application
Required if any horses are used for driving, pulling, or work.

Equine Commercial General Liability Coverage
This coverage is very important if you perform any commercial equestrian activities such as boarding, instruction, training, breeding, buying and selling horses, etc.

Coverage can be extended to provide on premises coverage for independent trainers or instructors while acting within the scope of their duties at your operation.

Equine Professional Liability Coverage Provides coverage for claims and defense fees resulting from any negligent act, error or omission arising from your professional equestrian activities. Coverage is available as an addition to your CGL policy.

Care, Custody & Control (CCC)
Consider this coverage if you board, train or breed horses for others. If one of those horses is injured or dies while in your care and you are found negligent, this policy will provide for the medical care or replacement cost of the horse up to the policy limits. Defense costs are also covered.

Trailering is automatically included in this coverage for up to a 100-mile radius from your facility with additional transit coverage for the continental U.S. and Canada available.

Policy limits are on a per horse/per year basis. Coverage can be written as a part of your CGL policy or on a stand-alone basis.

Equine Clubs and Associations
Equine member organizations wishing to protect themselves can obtain this liability coverage. The basic policy provides coverage for up to seven public event days during the year, with coverage for additional days available. This coverage helps to protect your group if you are faced with a lawsuit by a third party. Defense fees as well as property damage and/or bodily injury are covered.

Equine Event Coverage
This coverage is available for individual horse shows, equestrian events, or clinics. Coverage is provided for the actual event days and includes days for both setup and takedown.

FAQs About Liability Coverages

Liability Applications


Equine Personal Liability Application

Driving Horse Personal Liability Supplemental Application
Required if any horses are used for driving, pulling, or work.

Equine Commercial General Liability Application

Equestrian Day Camp Supplemental Application
Required if you offer day camp activities.

Pony Rides Supplemental Application
Required if you offer pony rides.

Horse Drawn Vehicle Rides Supplemental Application
Required if you offer horse drawn vehicle rides.

Race Horse Owner’s & Trainer’s Commercial General Liability Application

Care, Custody and Control Application

Equine Clubs and Associations Liability Application

Equine Event Liability Application

 
 
Liability policies are available in all U.S. states except Alaska and Hawaii.


Hallmark Equine Insurance Agency, Inc.
2130 Point Boulevard • Suite 150 • Elgin, IL 60123
(800) 734-0598 • (847) 844-8419 • Fax: (847) 844-8284
E-mail: info@hallmarkhorse.com
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