Private horse owner liability

Markel Specialty offers insurance coverage specifically designed for private horse owners

Protect your lifestyle with our equine liability insurance.

Horses are big animals. And if they kick or stomp, it can cause serious damage. We understand these risks and have the insurance coverage you need.

Markel Specialty's private horse owner liability insurance offers insurance protection against claims arising out of bodily injury or property damage caused by your horse, whether on or off your premises.

Our equine liability insurance also offers insurance protection for horses, donkeys, and mules for personal use and for show.

Why do I need private horse owner liability insurance?

Equine-related lawsuits occur more frequently than you may think. And many homeowners’ insurance policies put limits on equine liability coverage or may simply exclude the coverage altogether.

In one case, our client had someone loading hay into a barn when our client’s horse struck the other person’s pickup truck, damaging the truck in several places. Fortunately, our client had a Markel Specialty insurance policy to help pay for the repairs.*

Another time, a client had their horse off premises in a paddock when someone who wasn’t paying attention walked behind the horse. Not surprisingly, they were kicked and needed surgery. But our client’s Markel Specialty policy helped pay for the medical costs.*

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 private horse owner liability insurance cover?

Based on our long experience insuring livestock, Markel Specialty has developed the kind of insurance coverage that works for most private horse owners.

• Bodily injury and property damage done by a named horse, on or off premises
• Available for horses, donkeys, and mules
• Applies to both personal and/or show use

• Coverage applies on or off premises anywhere in the U.S. and U.S. territories
• Limits of $300,000 to $1 million available
• General liability aggregate limits are 3 times the liability per occurrence limit
• Medical payments of $5,000 included
• Can be combined with a separate Markel Specialty horse mortality policy

Optional coverages
Available to be added to the private horse owner liability policy for additional premium.

• International liability covers your horse if taken outside the continental U.S. to specified countries for shows, exhibitions, etc.
• Coverage available for competition pulling horses
• For extra protection, excess umbrella liability is available with limits up to $10 million