Personal Horse Owner Liability Insurance
Personal Equine Liability Insurance
Protect yourself from lawsuits arising from injury or damage caused by a horse you own or lease.
Personal Equine Insurance pays the damages for liability imposed upon you 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 horse owner at a competitive preferred price.
Policy Information
Our Personal Horse Owner Liability policy will provide coverage for bodily injury and property damage arising from the use or ownership if a horse.
Horse Mortality & Major Medical Insurance
Whether you’re acquiring a horse for personal enjoyment or business endeavors, ownership is a significant investment of time, money, and resources. While it’s never easy to contemplate the possibility of tragedy, horses are often vulnerable to illness, accidents, and injuries. In the unfortunate event that something happens to your horse, while nothing can fully alleviate the emotional toll, proactive planning can help mitigate the financial impact. Owning a horse can be a costly commitment, especially if you’re not financially prepared for unexpected events. A serious illness can lead to exorbitant veterinary bills that can quickly add up. If the worst occurs and your horse passes away, the emotional devastation can be overwhelming, compounded by the loss of your financial investment. Additionally, if your horse is stolen and not recovered, you could find yourself without a beloved companion and without the means to acquire another.
One effective way to safeguard your horse and your finances is by investing in equine mortality insurance. A well-structured equine mortality policy can help alleviate costs if your horse becomes ill and will reimburse you for their value in the unfortunate event of death or theft. Furthermore, securing comprehensive coverage provides peace of mind, allowing you to focus on the joy and fulfillment of horse ownership rather than the uncertainties of potential financial burdens. With AmRisk Insurance & Financial Services, you can explore customized coverage options that cater to your specific needs, ensuring that both you and your horse are protected against unforeseen circumstances.
Policy Highlights
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Premiums starting as low as $175.00
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Limits from $300,000 to $2,000,000
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No premises designation
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We can include your boarding facility as an Additional Insured if required (additional premium may apply)
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A+ rated insurance company
- Full Occurrence Liability Basis
- Up to $2 million liability limits
- Coverage applies in the U.S. & Canada
- No Liability Deductible
- Defense cost paid in excess of policy limit
AmRisk Equine Services
At AmRisk Equine, we embody innovation and excellence within the horse insurance community. We take pride in having pioneered many of the equine policy forms and endorsements that are now regarded as standard coverage in the industry. As one of the nation’s leading providers of insurance for show and pleasure horses, horse farms, rodeos, and equestrian professionals, clubs, and events, we are dedicated to serving our clients with unmatched expertise.
With over forty years of underwriting experience, The Equestrian Group has crafted affordable, high-quality insurance programs designed to protect you and your investments. As trailblazers in horse and equestrian insurance, we offer unparalleled access to risk management products tailored for horse owners across the country, ensuring our clients receive the finest insurance solutions at the most competitive rates.
General Liability Knowledgebase
