Equine Professional Liability Insurance

Coverage That Moves With You, Protects What You Do, and Stands Behind Your Reputation

From training and teaching to boarding and clinics, professional liability insurance is essential protection for equine professionals who serve others.

Why You Need Professional Liability Coverage

If you’re being paid to work with horses or riders—you’re running a business. And business brings risk. Whether you’re training clients, hosting lessons, or managing a boarding facility, even a single accident or misunderstanding could lead to a costly claim.

At Equine Insurance Professionals LLC, we provide specialized liability coverage designed specifically for equine professionals. We understand your business because we’ve lived it—our all-equine team includes trainers, riders, and horse owners, just like you.

  • Coverage for your services, facilities, and interactions with horses and clients
  • Defense and settlement costs for covered claims
  • Policy options that grow with your business
  • Access to top-tier carriers with proven equine risk experience

What Does Equine Professional Liability Cover?

Trainer & Instructor Liability

If a student gets hurt during a lesson, or a parent claims you didn’t warn them about risk—liability coverage helps protect your business, reputation, and financial well-being.

  • Covers bodily injury or property damage linked to your instruction or supervision
  • Ideal for riding instructors, clinicians, and traveling coaches

Boarding & Facility Liability

Owning or operating a barn that boards horses opens you to liability from both animals and people.Protects against liability claims from horse owners

  • Coverage for incidents involving client horses or barn visitors
  • Optional Care, Custody & Control (CCC) coverage for horses not owned by you

Clinics, Events & Short-Term Coverage

Hosting a one-time clinic or traveling out of state for instruction? We offer flexible event-based and short-term policies that travel with you.

  • Daily or monthly coverage options
  • Available for independent contractors or visiting professionals

Independent Contractor & Freelance Coverage

Do you work across barns, farms, or regions as an independent trainer or equine service provider?

  • Portable protection that follows you, not just the facility
  • Tailored for growing equine careers

Who Needs This Coverage?

You need Equine Professional Liability coverage if you:

Teach lessons, coach riders, or train horses for compensation

Operate a boarding barn, training facility, or riding school

Host clinics or travel to provide equine services

Work as a contractor across barns or equestrian centers

Professional Liability FAQ

  • What’s the difference between General Liability and Professional Liability?

    General Liability covers incidents like someone slipping on your property.

    Professional Liability protects you if your services—like giving a lesson or handling a horse—result in injury, damage, or a claim of negligence.

  • Do I need Professional Liability if I already have Care, Custody & Control (CCC) insurance?

    Yes. CCC covers horses in your care, but not incidents involving your instruction, advice, or professional decisions. These are two separate forms of protection.

  • Can I get coverage if I travel to different barns?

    Absolutely. We offer portable liability policies that follow you wherever you work, whether you’re based at one facility or move around.

  • Is this coverage available for part-time instructors?

    Yes. We offer options for part-time, seasonal, and freelance professionals, so you’re covered when you’re active without overpaying.

  • What if I host a one-time clinic or event?

    We offer event-based policies that provide short-term coverage—perfect for clinics, shows, or workshops where you’re acting in a professional capacity.