Learn about Private Horse Owner Liability

Insurance designed specifically for the private horse owner.

What is Private Horse Owner Insurance?

Private Horse Owner Insurance provides coverage for individual horse owners against third party property damage and bodily injury claims.

So, how do Private Horse Owner insurance policies Work?

Equine-related lawsuits occur more frequently than you may think. And many homeowners’ policies put limits on your equine liability coverage …or simply exclude it altogether! Unlike your homeowners policy, our Specialty's private horse owner liability insurance is specifically designed to protect you against claims arising out of bodily injury or property damage caused by your horse, whether on or off your premises. Not only that, but our equine liability insurance covers horses, donkeys, and mules for personal use and for shows

Coverages for:
  • Bodily injury and property damage done by a named horse, on or off premises
  • Available for horses, donkeys, and mules
  • Applies to both personal and/or show use
Coverage highlights
  • Coverage applies on or off premises anywhere in the U.S., Canada, and U.S. territories
  • Limits of $300,000 to $1 million available
  • General liability aggregate limits are 3 times the liability per occurrence limit
  • Medical payments of $5,000 included
  • Can be combined with a separate Markel Specialty horse mortality policy
Optional coverages
  • International liability covers your horse if taken outside the continental U.S. to specified countries for shows, exhibitions, etc.
  • Coverage available for competition pulling horses
  • For extra protection, excess umbrella liability is available with limits up to $10 million
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