Individual Horse Owners Insurance | Murrieta | Temecula | Lake Elsinore
Private Horse Owner’s Insurance is a Necessity
Could your horse kick someone, fall while a friend is riding your horse, pin someone against a stable wall and cause physical injury or cause property damage to someone else’s property? Of course you have no way of knowing for sure and therein lies the risk and 
why horse owners need to be prepared.
If you own horses but do not operate a commercial horse business, our Private Horse Owner Liability policy can protect you against legal claims that your horse caused bodily injury or property damage to someone on or off your premises. For example, if your horse got loose in the road and caused an accident or injured someone at a show, you could be held liable.
Coverage Considerations:
- Do you need Coverage that applies on or off premises anywhere in the U.S., Canada, and U.S. territories or just locally?
- Various limits available; what limits do you needs?
- Are General Liability Aggregate limits are 3 times the liability per occurrence limit; or do you need more?
- Medical Payments up to $5,000 included; or do you need more?
- Can this be added to your Mortality policy?
- Is coverage is offered for bodily injury and property damage, done only by a horse which is scheduled on this policy. This coverage is not available to individuals involved in commercial equine operations* (example: trail rides, riding instruction, race training, commercial breeding, boarding or leasing of horses which you do not own), or if you own more than 10 horses. If you are involved in a commercial operation, please complete our Commercial Equine Liability application.
SGB can help you answer all the questions above and custom design a policy specifically meet your needs as a private horse owner.
* Commercial equine operations where the insured is actively involved in breeding, boarding, training, leasing of horses and/or any activity noted above and receives monetary value or other compensation jis not covered under this type of policy.
Optional Coverages
- International Liability – covers horses taken outside the continental U.S. to specified countries for shows, exhibitions, etc.
- Excess or Umbrella Liability (with limits up to $10 million)
