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Private Horse Owner Liability

If your client owns horses but does not operate a commercial horse business, our Private Horse Owner Liability policy can protect them against legal claims should their horse cause bodily injury or property damage to someone on or off their premises. For example, if their horse got loose in the road and caused an accident or injured someone at a show, they could be held liable.

Coverage Highlights

  • Coverage applies on or off premises anywhere in the U.S., Canada, and U.S. territories
  • Various limits available
  • General Liability Aggregate limits are 3 times the liability per occurrence limit  
  • Medical Payments up to $5,000 included  
  • 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 your client is involved in a commercial operation, please complete our Commercial Equine Liability application.

    *Commercial equine operation 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.

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)

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You must be an appointed agent with Markel to submit an application. For more information about appointments, click here.

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Private Horse Owner Liability

Email your completed applications to:

Or mail or fax applications to:
Attn: Underwriting--Agriculture
P.O. Box 2009
Glen Allen, VA 23058-2009
Fax: 804-527-7784