Markel Specialty offers coverage specifically designed for horse clubs and associations

Customizable policies to fit your club's needs.

Some insurance policies can be inadequate for the needs of your horse club. You need coverage that encompasses events, property, members, spectators, and volunteers. That’s where Markel Specialty's horse club insurance can help.

Our horse club and association insurance is a great choice for your organization because it can provide the coverage you need for:

  • Your club’s leased or owned premises
  • Special events
  • Your club’s various functions such as shows, clinics, and trail rides
horse savings

A 10% credit is available towards the liability policy premium if you are a member of an accredited professional association.

Why do I need insurance for my horse club and association?

If someone gets hurt or property is damaged at a club function or event, your club could be held liable. That’s why you need Markel Specialty’s insurance for horse clubs and associations.

Here are two examples of claims we paid out for insured clubs*:

  • At one of our insured’s championship show, the ring master was hanging the winning garland around the winning horse’s head. The horse spooked, reared up, and threw the rider off.
  • A horse was scared by something while on our insured club’s premises. The horse backed up and caused severe damage to someone’s car.

Don't wait until you file a claim to find out if you have the proper insurance protection. Get a free quote today.

*These examples are provided for illustrative purposes only. Any claim submitted under the policy would be evaluated on its own merits and facts compared to the terms of the policy.

What can insurance for horse clubs and associations cover?

Markel Specialty's horse club and association insurance has the coverage your club needs.

General liability
  • Available commercial general liability limits*: $300k/$900k; $500k/$1.5m; $1m/$3m
  • Includes limited premises, equine liability, $5k medical payments, $100k fire legal liability; event and liquor liability coverages available
  • Excludes products liability
  • General liability enhancement available to increase limits and provide additional coverages
Farm property

Clubhouse coverage is available. If clubhouse coverage is needed, the policy will become a farm package policy in lieu of a horse club liability policy.

Optional coverages


Inland marine
Coverage can be added to the policy, when no farm property exists

Excess and umbrella liability
Limits up to $10m. Available over the underlying Markel Specialty general liability

Sale of tack and goods

Member buyback coverage

Directors and officers

*Per occurrence is the maximum amount that may be paid on a covered individual claim; aggregate is the maximum amount that may be paid on all covered claims combined within the policy period.

Our success in developing effective solutions for horse owners has proven critical to the achievement of mission goals for other associations.
Loss control
Markel Specialty is committed to providing the tools you need to help you keep safety first.
Frequently asked questions about property and liability insurance.

Get the protection and peace of mind you deserve.

Submit an online application or contact one of our appointed Markel Specialty agents to get an insurance quote for your horse club or association today.