Equine Personal Liability Insurance

Coverage for Horse Owners—Because Accidents Don’t Stay in the Barn

If you are a private horse owner (not a professional) and own assets of any kind, then these policies are taylormade just for you! If your horse is involved in any kind of injury or property loss, these policies protect you and your assets. This coverage follows your horse whether at his home barn, showing, trail riding, at a trainer's or escapes from his paddock or stall. One of the most important and valuable elements to these policies is that they also provide your legal defense. A claim that is brought against you/your horse might be totally bogus, but you still have to appear in court with a lawyer to defend yourself and your defense can be a very expensive proposition, even if you are completely innocent of the charges.

Why Personal Liability Coverage Is Essential

Most homeowner’s insurance policies exclude equine-related incidents or losses, leaving horse owners dangerously exposed. That’s where Equine Personal Liability Insurance comes in.

At Equine Insurance Professionals LLC, we can write standalone policies, or in some cases, supplemental liability added to an existing policy, designed exclusively to protect the private horse owner. Whether you ride for fun, show competitively, or lease your horse, this is incredibly affordable and easy to obtain, peace of mind.

What Does Personal Liability Insurance Cover?

Injury or Damage Caused by Your Horse

If your horse kicks someone, escapes from a pasture and causes a car accident, or damages someone’s property, personal liability insurance helps cover the costs of medical bills, repairs, and legal defense.

  • Applies on or off your property
  • Covers accidental incidents, not business-related activities

Boarded or Leased Horses

Whether your horse is kept at a boarding barn or leased to another rider, you’re still legally responsible for its actions.

  • Ideal for horses in shared or off-site facilities
  • Coverage follows your horse, wherever it goes

Trail Riding & Events

Accidents happen outside the arena. This policy protects you during recreational riding, trail events, schooling shows, and more.

  • Peace of mind when you’re out in the community
  • Recommended for all recreational riders

Who Needs This Coverage?

You should consider Personal Liability Insurance if you:

Own or lease a horse for recreation or competition

Board your horse at a facility or ride off-property

Transport your horse to shows, trails, or public places

Own a horse but don’t have equine liability included in your homeowners policy

Personal Liability FAQ

  • Doesn’t my homeowners insurance cover my horse?

    In many cases, no. Most homeowners or renters insurance policies exclude horses or limit liability coverage to pets. Even if your horse is considered personal property, equine-related liability is often excluded without an endorsement.

  • Is my horse covered if I ride off property?

    Yes. Your policy follows your horse anywhere in the U.S., including trails, shows, and clinics—as long as it’s not a commercial activity.

  • Can I get coverage if my horse is leased to someone else?

    Yes. As the legal owner, you’re still responsible for your horse—even if it’s leased or being used by another rider. We offer leased horse coverage options as well.

  • Is this insurance expensive?

    No. Personal liability insurance is typically very affordable and can save you thousands in the event of an accident or legal claim.