Individual Horse Owners Liability

This policy is designed to provide coverage for bodily injury and/or property damage as well as legal costs if required. This type of insurance is commonly purchased by those who board their horses. In fact, many boarding facilities require it.

If you own your own home you may have some liability protection when the horse is on your property, but you may not be covered if the horse is boarded somewhere else or when you go to a show or ride off your property. With this policy, you are protected from liability arising from bodily injury or property damage caused by your horse both on and off your property.

This policy provides equine liability insurance coverage for the horse owner who is not involved in any other equine activity.

Many horse owners will say they don't need liability coverage because the boarding facility has coverage. And the boarding facility may have coverage but it does not protect you. You will be named in a lawsuit simply because you own the horse (even though the accident/damage was not your fault).

Note: If you are involved in a equine operation such as boarding, breeding, training or instructions, you will need to purchase a Commercial Equine Liability Policy.


Individual Horse Owners Application

Race horse owners face unique liability exposures for injury or damage. This insurance covers liability exposure for owners of race horses including individuals, partnerships, corporations, and syndicates that own racing stock but are not directly involved in breeding, training, or racing (for example, contract with independent trainers, breeding farms).

If you own or train race horses, this policy will provide race horse insurance or liability insurance protection for bodily injury or property damage to others caused by your horses. There is an exclusion for coverage during an actual racing event.


Apply Now for A Quote

We can write liability coverage in the following states:

CA, FL, IL, IN, KY, MD, MI, NJ, NY, NC, OH, PA, TN, TX, VA, WA, WI

Simply complete the appropriate forms above and submit them via fax, mail, or email to:

Fry's Equine Insurance
P.O. Box 820
Grove City, OH 43123
Phone: 800-842-9021
Fax: 614-875-1549
Email: info@frysequineinsurance.com