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Equestrian & Horse Owner Liability Insurance - Let us find your best coverage - protection for horse owners, riders and boarders

Horses are powerful animals, and an injured rider, guest or neighbor can lead to a costly lawsuit that many homeowners policies exclude. Send us a few details about your horses and activities and we will shop equine liability coverage – no cost, no obligation. Prefer to talk? Call 800-616-3490.

Equestrian / Horse Owner Liability Quote Request

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What horse owner liability covers

Private horse owner liability covers injuries and damage caused by your horses, at home, on trails and at shows.

Guest and rider injuries - Injuries to friends and guests riding or handling your horses.
Third-party damage - Damage your horse causes to vehicles, fences and neighbors' property.
Trail and show coverage - Coverage while trail riding, at shows and at clinics.
Loose horses - Accidents when a horse gets loose onto a road or neighboring land.
Care, custody and control - Optional coverage for horses of others in your care.
Legal defense - Attorney fees and court costs for covered claims.

Good to know: homeowners policies often exclude or limit horse liability. Horse mortality and major medical coverage are available separately.

Not covered: commercial boarding, lessons or training for pay (requires an equine business policy).

View the Equestrian / Horse Owner Liability brochureCoverage overview, limitations and disclosures · PDF, 148 KB

Insurance Application:

Equestrian / Private Horse Owner LiabilityBegin Application

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Equestrian / Horse Owner Liability Supplemental Application (PDF)Want to save and finish later? Complete it online

Download, complete and email to quote@societiesinsurance.com, or attach it with your quote request.

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