Markel Specialty offers insurance coverage specifically designed for riding instructors and horse trainers

You know the risks in your business. Thankfully, so does Markel Specialty.

With over 50 years of experience insuring horses and horse-related businesses, we aim to understand the risks and liabilities that riding instructors and horse trainers are each exposed to. In fact, Markel Specialty is the official insurance supplier of The American Riding Instructors Association (ARIA).

Why do I need riding instructors and horse trainers insurance?

You love horses and you love teaching people about horses. However, horses and people can both be unpredictable. So if someone gets hurt or property is damaged, you could be held liable.

Here are a few examples of accidents that could occur with horse-related businesses:

  • An insured independent horse trainer was working on one of our insured’s farms when struck by lightning. He was taken away by ambulance to a hospital.
  • During a riding lesson with an insured instructor, the horse stopped suddenly and the student was thrown off, fracturing her spine.
  • While training a third party’s pony, an insured horse trainer was kicked in the face

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

horse savings

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

What can insurance for riding instructors and horse trainers cover?

Markel Specialty provides affordable insurance coverage options specifically designed for riding instructors and horse trainers, including equine liability and limited professional liability coverage.

Coverage highlights
  • Liability limits of $300,000 to $1 million are available for bodily injury and property damage
  • General liability aggregate limits are 3 times the liability per occurrence limit
  • Commercial general liability coverage applies on and off premises in the U.S. and U.S. territories
  • Fire Legal liability up to $100,000 at no charge (in most states)
  • Medical payments up to $5,000
  • Limited professional liability coverage for trainers, riding instructors, and clinicians
  • Personal/advertising Injury included
  • Products/completed operations included
  • No liability deductible
  • Defense cost paid in excess of policy limit
  • Limited athletic participants coverage included
  • Care, custody, and control – a “must” if you care for someone else’s horse
  • Excess liability (with limits up to $10 million)
  • International liability – covers horses taken outside the continental U.S. to specified countries for shows, exhibitions, etc.
Our success in developing effective solutions for horse owners has proven critical to the achievement of mission goals for other associations.
Frequently asked questions about property and liability insurance.
Loss control
Markel Specialty is committed to providing the tools you need to help you keep safety first.
Play Button arrow

Are you protected?

Play Button arrow

Everyday horse sense

Play Button arrow

General liability

and why you need it

Get the protection and peace of mind you deserve.

Submit an online application or contact one of our appointed Markel Specialty agents to get a riding instructors and horse trainers insurance quote today.