Download your Individual Horse Owners Applications here.

Horse Owners are faced with unique liability exposures that may not be adequately covered under normal personal liability policies such as a homeowner policy. Our companies have specifically designed an insurance policy to cover the horse owner's legal liability for both bodily injury and property damage to others resulting from horse ownership. Individual owners of personal or show horses who do not derive income nor are involved commercially are eligible.

Liability coverage, including defense costs, is available with limits up to $1,000,000. Prices are very competitive, beginning at only $40 per horse, subject to minimum premiums.

Coverage includes the promise to pay all sums you are legally obligated to pay for "Bodily Injury" and "Property Damage" arising from your horse ownership, plus costs to defend you. This includes the cost of bail bonds, pre-judgment interest and expenses you incur in assisting us in your defense, including up to $100 per day loss of income.