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Our agency also offers equine liability policies designed to help protect you if you are sued by a third party due to property damage or bodily injury that incurred while involved in any of your covered equestrian exposures. Coverage is provided for defense fees and for claims for which you are legally liable up to the policy limits. Annual policy limits of $300,000, $500,000 and $1,000,000 are available. Ask about double annual aggregate limits and excess coverage.

Personal Horse Owner’s Liability Coverage (PHO)
This coverage was designed to provide coverage for bodily injury or property damage to third parties caused by the insured’s personally owned horse when used for non-commercial purposes.

Equine Commercial General Liability (CGL)
This coverage is important if you perform any commercial equestrian activities such as boarding, instruction, training, breeding, horse sales, etc. Coverage can be extended to activities off premises such as a riding instructor or trainer who travels to clients’ facilities but also works out of their own location.

Equine Professional Liability Coverage
Provides coverage for claims and defense fees resulting from any negligent act, error or omission arising from your professional equestrian activities.

Care, Custody & Control (CCC)
This is legal liability coverage for horses entrusted to you by their owners. Consider this coverage if you board, train or breed horses for others. If one of these horses is injured or dies while in your case and you are found negligent, this policy will provide coverage for the medical care or replacement cost of the horse up to the policy limits. Defense costs are also covered. Policy limits are on a per horse/per year basis.
Trailering is automatically included for up to a 100-mile radius from your facility. Additional transit coverage for the continental U.S. and Canada is available.

Independent Horse Shows & Events
Liability coverage is available for single horse shows, clinics or equestrian events. Coverage is provided for the actual event days and includes days for both set up and take down.

Riding Clubs and Associations
This coverage is designed to provide liability coverage for member organizations and their public event days. Public event days are those activities to which non-club members or the general public are invited. The basic program provides coverage for up to seven public event days during the year with coverage for additional days available.

For more information or to request an application or quote on any of these coverage options, contact:
Wade Ellerbroek at 800-845-8031 or 712-754-2626
e-mail: wade@ellerbroekandassoc.com