Equine Insurance

Equine Insurance

Equine insurance is a must-have for commercial equestrian facilities. 

These facilities, whether they're offering riding lessons, boarding horses, or hosting events, face unique challenges and risks that standard insurance just doesn't cover. 

Insurance for your commercial equestrian facility is essential. 

With the right coverages, you can ensure every aspect of your business, from the horses and facilities to your staff and events, has the protection it needs, and you can focus on what you love most: the world of horses.

Property Coverage

This is the foundation of your insurance policy. It can ensure that the physical aspects of your facility, such as barns, stables, riding arenas, and even the equipment you use, are protected. 

If something happens like a fire, storm, or theft, you won't be left scrambling to find the funds to repair or replace what's damaged. Instead, your insurance can step in to help, ensuring you can get back on your feet faster.

Liability Protection

When you're working with horses and the public, there's always a risk of something going wrong. Someone might get injured during a riding lesson, or a horse could escape and cause damage to a neighbor's property. 

Liability protection can cover these scenarios, helping handle any legal fees or medical bills that might come up.

Care, Custody, and Control

This is a specialized coverage that many general business insurance policies won't have. As an equestrian facility, you're often entrusted with the care of other people's horses. 

If something happens to a horse under your watch, whether it's an injury, illness, or even death, this insurance can help cover the costs. 

It's a crucial safety net, especially given the high value of many horses.

Event Coverage

Many equestrian facilities host events, from horse shows to competitions. 

These events come with their own set of risks, from crowd-related issues to potential damages to the facility. 

Event coverage is designed to handle these unique challenges, giving you peace of mind during your big events.

Employee Coverage

If you have staff, it's important to think about their safety too. 

Worker's compensation is a must, ensuring that if someone on your team gets hurt while working, their medical bills and recovery costs are covered.

Transportation Coverage

If part of your business involves transporting horses, either for clients or to events, this is a coverage you'll want to consider. 

It helps protect against the unique risks associated with moving horses, from potential accidents on the road to issues that might arise during loading and unloading.