Race Horse Owner’s and Trainer’s Commercial General Liability

If you own or train racehorses, this policy will provide liability insurance protection for bodily injury or property damage to others caused by your equine activities. The policy can include care, custody and control liability for non-owned horses in your care including during transportation from one racetrack to another.

Care, Custody or Control Liability Insurance

Equine Care, Custody or Control Liability Insurance is an essential coverage for all horse operations which involve non-owned horses, and includes boarding, breeding and training instruction programs. Standard general liability insurance excludes coverage for personal property (horses are an example) in your care, custody or control. This insurance fills the void by promising to pay sums you are legally obligated to pay up to the limit you select for damage to non-owned horses in your care, custody or control.

This insurance will cover up to the chosen policy limits for the injury, theft or death of the horses in your care, custody or control. Coverage includes defense costs for lawsuits including the cost of bail bonds, interest on judgments against you and expenses you incur at our request to assist in the defense and can include loss of earnings, up to $100 per day, depending upon the carrier.

Trailering or transporting of non-owned horses in your care is included for up to a 100- or 150-mile radius, depending upon the carrier. Transportation outside of that radius to include the continental U.S. and Canada can be added to the coverage.

Learn more at insurehorses.com