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Why do I need private horse owner liability insurance?

Equine-related lawsuits occur more frequently than you may think. And many homeowners’ insurance policies put limits on equine liability coverage or may simply exclude the coverage altogether.

What can private horse owner liability insurance cover?


Based on our long experience insuring livestock, Markel Specialty has developed the kind of insurance coverage that works for most private horse owners.

Coverages for:

  • Bodily injury and property damage done by a named horse, on or off premises

  • Available for horses, donkeys, and mules

  • Applies to both personal and/or show use


Coverage highlights

  • Coverage applies on or off premises anywhere in the U.S. and U.S. territories

  • Limits of $300,000 to $1 million available

  • General liability aggregate limits are 3 times the liability per occurrence limit

  • Medical payments of $5,000 included

  • Can be combined with a separate Markel Specialty horse mortality policy


Optional coverages


Available to be added to the private horse owner liability policy for additional premium.

  • International liability covers your horse if taken outside the continental U.S. to specified countries for shows, exhibitions, etc.

  • Coverage available for competition pulling horses

  • For extra protection, excess umbrella liability is available with limits up to $10 million

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