Many people own race horses as an investment or simply as an enjoyable hobby. The forms of ownership are many -- including but not limited to individuals, partnerships, corporations, etc. These owners face unique liability exposures for injury or damage resulting from the ownership of these horses. As a business exposure, this liability is normally excluded under any personal homeowner insurance the owner(s) may have.

Our companies have recognized this need and responded by providing a Race Horse Owners Insurance Policy (RHO) for racing stock owners that are not directly involved in breeding, training or racing, but contract with independent contractors. Certificates of insurance should always be obtained from these independent contractors.

Should a person be injured or property damaged as a result of your horse racing activities, our companies will, subject to policy exclusions, defend you in court and pay claims for which you are legally liable. Policy limits are available up to $1,000,000.