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Race Horse Liability

We have a specially designed liability policy to cover the unique liability exposures of Race Horse Owners for injury or damage caused by the horses. Individuals, partnerships, corporations and syndicates which own racing stock (including stallions at stud, broodmares and yearlings) but are not directly involved in breeding, training or racing (i.e. contract with independent trainers, breeding farms) are eligible. Owners should obtain certificates of insurance from the independent contractors to assure adequate protection. Prices are very competitive with liability limits to $1,000,000.

The coverage of this policy is designed to insure you for your legal liability up to the limits of the policy. When a person is injured or property is damaged as a result of activities involving the horse or horses you own we will, subject to the exclusions in the policy, settle claims for which you are legally liable, including defense costs.

Certain exclusions and limitations apply to the Race Horse Owner’s Liability policy so please refer to the policy itself for more information. This material is not the policy itself and it is designed only to describe its contents. It is important to discuss all the coverage provided and exclusions contained in the policy with your agent before purchasing any insurance plan.