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Horse Insurance: Farms, Breeders / Boarders and Carriage Risks

Those in the horse business realize that insurance coverage can make all the difference when a loss occurs.

The following are three related industries where indemnity plays a significant role.

Horse Farm Insurance

Horse farms are designed to raise show and/or race horses. Because of the substantial horse presence, there are significant liability risks. Moreover, horse farms where boarding, training and horse breeding take place face exceptional liability as well as property exposure.

Related property coverage can pertain to:

  • Horse barns
  • Horse stables
  • Tack
  • Additional equipment
  • Farm paraphernalia

Commercial liability coverage applies to numerous perils associated with horses.

Horse Breeders and Boarders Insurance

This type of insurance protects the stable and farm holder that houses horses as a service. In some cases, horses are accessible only for their owners; otherwise, they may be available for others to as a ride for rent. There are also stables that offer stud and breeding.

The related insurance policies include:

  • Horse care
  • Horse keeping
  • Control
  • Other forms of coverage that shield the breeder from liability

Horse and Carriage Risks Insurance

Operators of horse-drawn carriages provide rides to others around the downtown lodging and playhouse areas. Generally, it is the tourists and corporate convention participants that avail themselves to the service.

Commercial liability protection is accessible for the carriage and sled business livery industries that cater to tourists or participants of special events, such as:

  • Wedding receptions
  • Prom affairs
  • Convention activities

Insurance companies highlight risks in regard to the locale, route and night lighting.

 For more about the above forms of coverage, speak to an experienced independent insurance agent.

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Summary: The horse farm, breeder and boarder as well as the horse carriage face specific risks. Insurance coverage deals with the exposure. 


janet rae

Thursday, April 12, 2018 at 7:23pm EDT

I have a 75 acre horse farm in mj I breed horses and wan it insured

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