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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

Applicant Information:

Have these handy

  • Each horse's name, breed, age and use
  • Where the horses are kept and the acreage
  • Whether others ride, board or lease your horses
  • Your homeowners declarations page

Related coverage

Coverage details

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).

Insurance Application:

Equestrian / Private Horse Owner Liability

Required forms

Equestrian / Horse Owner Liability Supplemental Application (PDF)

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

Horse trail riding
Contact details

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