Commercial Equine Liability Insurance
We can cover any horse related business
If you board, breed, race, train, give riding instruction or conduct any kind of business related equine activity you need a Commercial Equine Insurance policy.
Commercial Equine Insurance pays the damages for liability imposed upon you or your business by the law. It also pays the cost of defending you when a claim is made against your policy.
The AmRisk Equine Services Insurance Program offers some of the industry’s broadest and most comprehensive coverage available to the equine business owner at a competitive preferred price.
Policies & Programs
- Auctions & Sales
- Accident Insurance – Participant & Volunteer
- Arena’s and Stadiums
- Boarding, Breeding & Training Stables
- Carriage & Wagon Ride Insurance
- Guest Ranches
- Equine Assisted Therapy
- Equine Dentistry
- Farrier’s Insurance
- Guided Trail Rides
- Horse Hauling
- Horse Rescue & Adoption
- Horse Shows & Clinics
- Outfitters & Guided Trail Rides
- Polo Clubs & Polo Grounds
- Pony Rides & Petting Zoo
- Racing Stables
- Race Tracks
- Riding Clubs & Associations
- Riding Instruction
- Rodeo Events
- Therapeutic Riding
- A+ rated insurance company
- Full Occurrence Liability Basis
- Up to $20 million liability limits
- Commercial liability applies in the U.S. & Canada
- Participant Coverage Option
- Products/Completed Operations coverage
- Personal Injury & Advertising Liability
- Professional Equine Liability Coverage Option
- No Liability Deductible
- $5,000 medical payments included
- Defense cost paid in excess of policy limit
- Employees are named as Additional Insured
- Extended coverage for Additional Insured
- Independent contractors can be added to policy
- Care, Custody & Control Liability Options
- Horse Show & Special Events coverage available
- Convenient payment options
Equine Care, Custody and Control
All Commercial General Liability policies contain an exclusion for property damage to property in the insured’s care custody and control. Adding the CCC endorsement will cover your defense costs and payment for bailee liability claims up to the aggregate policy amount (per animal limit applies). The Care, Custody & Control endorsement is a liability coverage triggered by acts of negligence and is not an equine accident or medical policy. This endorsement is limited to livestock and will not extend to tack or equipment of others.
Excess Liability Coverage
Excess Liability coverage provides additional liability protection over your underlying general liability policy with a standard limit of $1,000,000 per occurrence and $2,000,000 aggregate. Excess liability limits are written one million dollars layers.
General Liability Knowledgebase
Premiums discounts are available for membership and certifications in accredited associations and professional organizations