Insurance coverage for therapeutic riding

Markel Specialty provides a comprehensive, therapeutic riding center insurance policy.

Coverage consists of a $1 million per occurrence general liability policy and an excess accident medical policy available in limits of $10,000, $25,000 or $50,000. 

  • Your volunteers are included as insureds. 
  • PATH International Centers that purchase their general liability from Markel Specialty are also eligible for discounted directors and officers coverage, which provides coverage for the club board.

General liability

Available limits:·     

Per occurrence*

Aggregate*

$300,000

$900,000

$500,000

$1,500,000

$1,000,000

$3,000,000

  • Coverage includes limited premises, equine liability,  professional liability, $5,000 in medical payments, $100,000 fire legal liability.
  • Volunteer suit buy-back is an optional coverage that can be added to protect the center against lawsuits brought by injured volunteers. (sub-limit $250,000 per occurrence; cost to add is an additional $0.34 per volunteer).
  • The general liability coverage protects the center, its staff, and volunteers against third party bodily injury and property damage lawsuits.
  • Excludes products liability.
  • The general liability enhancement is available which increases your limits and provide additional coverages.
  • Get a 10% credit towards liability premium if you are a member of an accredited professional association.

Farm property
Dwelling and/or outbuildings can be added to this policy, which converts the policy to a farm package.

Auto
Only available for applicant's farm vehicles when writing the liability policy; monoline auto not available.

Excess liability
Available over the underlying Markel Specialty's general liability and may be eligible for auto.

Accident medical
Accident medical pays medical expenses up to the chosen policy limit for volunteers and clients injured during PATH Intl Center operations.

You can choose from 3 plans:

  • Plan A - $100 minimum premium; $50,000 aggregate; $5,000 accidental death and dismemberment benefit; $10,000 accident medical expense benefit for clients, volunteers, instructors/therapists
  • Plan B - $125 minimum premium; $50,000 aggregate; $5,000 accidental death and dismemberment benefit; $10,000 accident medical expense benefit for clients; $25,000 accident medical expense benefit for volunteers, instructors/therapists
  • Plan C - $150 minimum premium; $100,000 aggregate; $5,000 accidental death and dismemberment benefit; $10,000 accident medical expense benefit for clients; $50,000 accident medical expense benefit for volunteers, instructors/therapists (This plan must be purchased if volunteer suit buyback coverage is added)

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

Get a quote

Contact one of our appointed Markel Specialty agents to start a quote for your therapeutic riding center.