Tuesday, May 14, 2013

Insurance -- Umbrella or Personal Horse Owners Liability


Markel offers a "Private Horse Owner" policy that...

..."provides coverage for bodily injury and property damage only done by a horse which is scheduled on this policy both on and off premises...not available to commercial equine operations or if applicant owns more then 10 horses".

I am sure they offer coverage of you fall into the last 2 groups.

I'm cleaning out some drawers and just happen to have my old policy sitting here. At the time, like 6 years ago or so, base premium included up to 4 horses and ran from 230 to 295 depending on selected limits which ran 330k to 1 million-I took the 1 mil for 295. If you drive your horse(s) it was a little more.

Pretty sure those rates have gone up since then but that ought to give you an idea of what's covered and the cost.

Source: http://www.chronofhorse.com/forum/showthread.php?402983-Insurance-Umbrella-or-Personal-Horse-Owners-Liability

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