Liability
Personalized packages of coverage tailored to meet your specific and unique requirements, whether you have one horse at home or boarded, are a full-service equestrian facility, an association/club or an individual professional.
Equine General Liability is the coverage for horse owners, boarding facilities and the equine professional. It is protection that many of the standard homeowner's policies typically exclude and/or severely restrict for equine related bodily injury or property damage. Regardless of the equine operations size this protection will ensure the legal liability protection needed.
- Written with limits of $1 million occurrence, $2 million aggregate, and $10,000 medical payments
- Premises liability for owned or leased property
- Coverage for all types of equine-related business. Examples: boarding, training, racing, equine sales, riding instruction, camps, horse shows, personal horses
- Independent trainers, riding instructors, clinicians
- Provides coverage for defense fees, court cost, and judgement up to policy limits with no deductible
Equine Professional Services Liability enhances the equine general liability with additional coverage for equine loss resulting from wrongful acts in providing or failure to provide Professional Services. Protection from any actual or alleged error, misstatement, misleading statement, act or omission in providing profession services. Available as “Other than Equine Sales” and “Equine Sales”.
Other Than Equine Sales Coverage:
Other Than Equine Sales Coverage:
- Professional services include riders, trainers, grooms, handlers, clinicians
- Show officials such as judges, show managers, stewards, technical delegates and course designers
- Written at $1 million aggregate limit to match your equine general liability limits
- Provides coverage for defense
- Protection from third party economic loss due to an equine sale
- Equine Sale is defined as leasing, selling, or purchasing of equine
- Written at $100,000, higher limits are available upon approval
- Must as have “Other than equine sales coverage"
Individual Horse Owner’s Liability is designed for individuals who own horses and only use them for personal use. Primarily for privately owned horses that board at a commercial facility. Owning your own horse opens you up to unique exposure not covered under normal liability coverages.
Associations & Riding Clubs have varied functions that pose unique liability exposures, which need specially designed coverage. Policies are custom tailored to cover such exposures as premises liability on owned or leased property for meetings, fund-raisers, trail rides, boarding, clinics and public events (i.e. shows and parades). Written under the Equine General Liability policy limits of coverage. Director & Officers coverage may also be something to consider.
Therapeutic Riding programs that are Professional Association of Therapeutic Horsemanship International (PATH Int) approved and with certified instructors may obtain this coverage. Volunteers are included. Written under the Equine General Liability policy limits of coverage.
Umbrella/Excess coverage’s offer extra coverage above your underlying policy limits to maximize the protection of your assets within the budget you determine. This policy does not replace other coverage but “stacks” on top for that extra coverage.
Equine Care, Custody and Control is essential for the individual who boards, trains, or is responsible for others horses. Coverage includes death, theft or injury of horses in your care. It pays to the limits of the choosen coverage amounts that the insured is legally obligated to pay.
Race Horse Owners have a unique liability exposure for injury or damages resulting from the ownership of these horses. Owning race horses individually, in partnerships, or corporations they become a business exposure that is normally excluded under any personal homeowner's insurance. Race Horse Owners Insurance Policy (RHO) are designed for racing stock owners that are not directly involved in breeding, training or racing, but instead work with independent contractors.
- Coverage anywhere in the United States, Canada and Puerto Rico if your horse does damage to someone or someone else's property
- Up to three horses can be on the policy for a low annual premium, more horses can be added for additional premium
- Limits written at $1 million occurrence, $2 Million aggregate, and $10,000 medical payments
- Provides coverage for defense fees, court cost, and judgement up to policy limits with no deductible
Associations & Riding Clubs have varied functions that pose unique liability exposures, which need specially designed coverage. Policies are custom tailored to cover such exposures as premises liability on owned or leased property for meetings, fund-raisers, trail rides, boarding, clinics and public events (i.e. shows and parades). Written under the Equine General Liability policy limits of coverage. Director & Officers coverage may also be something to consider.
Therapeutic Riding programs that are Professional Association of Therapeutic Horsemanship International (PATH Int) approved and with certified instructors may obtain this coverage. Volunteers are included. Written under the Equine General Liability policy limits of coverage.
Umbrella/Excess coverage’s offer extra coverage above your underlying policy limits to maximize the protection of your assets within the budget you determine. This policy does not replace other coverage but “stacks” on top for that extra coverage.
- Provides broad catastrophic protection coverage where other insurance policies fall short
- Range of liability limits from $1 million to $25 million
- Provides coverage for defense, court cost, and judgement up to policy limit with no deductible
- Offers maximum asset protection against the unpredictable legal environment.
Equine Care, Custody and Control is essential for the individual who boards, trains, or is responsible for others horses. Coverage includes death, theft or injury of horses in your care. It pays to the limits of the choosen coverage amounts that the insured is legally obligated to pay.
- Limits from $5,000 to $1 million per horse and maximum loss per policy period from $25,000 to $2 million
- Only covers horse non-owned by the insured but in the care of the insured
- Provides coverage for defense, court cost, and judgement up to policy limit with no deductible
Race Horse Owners have a unique liability exposure for injury or damages resulting from the ownership of these horses. Owning race horses individually, in partnerships, or corporations they become a business exposure that is normally excluded under any personal homeowner's insurance. Race Horse Owners Insurance Policy (RHO) are designed for racing stock owners that are not directly involved in breeding, training or racing, but instead work with independent contractors.
- Limits up to $1 million for bodily or property damage as a result of horse racing activities
For many years, the Florida Quarter Horse Association has been very pleased with the service provided by Buxton Equine Insurance. Their knowledge of the equine and insurance industries, attention to detail, along with quick response time, provides peace of mind. We are confident that we have the best coverage available at the best pricing.
~ Melissa B.
I can heartily recommend the services of Carrie Buxton and Buxton Equine Insurance for all your horse related needs. Carrie is professional, dependable and a knowledgeable horse person. She will find the perfect plan with fair prices. You will not be disappointed with her service.
~Julie D.