Personal Horse Owner's Liability Application
For your convenience, here are several applications you can download yourself to complete. All applications are in PDF format and can be read using Acrobat Reader. If you do not currently have Acrobat Reader on your computer, you may DOWNLOAD it for free.
If you do not see an application here for the coverage you are interested in, call our office and we will take care of you either over the phone or by mailing or faxing you an application.
To view our pdf files you will need Adobe Acrobat Reader - click here to download.
Some of these applications are form fill, SAVE before you send it in. Others must be printed and filled out by hand.
Personal Horse Owner's Liability Application:
For horses not used for any type of commercial activity such as lessons.
If you own horses that are for your personal show or pleasure use only and not for commercial endeavors such as lesson horses, you may obtain liability insurance to protect you in the event your horse causes bodily injury or property damage to someone else. Many stables are now requiring proof of this coverage as a condition to board there. It can be obtained one of two ways. The first is find out if your homeowners insurance will extend your personal liability to cover actions of your personal horses on or off premises. Some will, many won't, and none will allow you to name another party as an additional insured, such as the facility at which you board. The second way is to take out a policy of Equine Personal Liability insurance. Policies cover all your horses and start at as little as $150 per year for a $300,000 limit of coverage. Higher limits are available upon request and additional insureds may be added where required for an additional fee. This policy cannot provide liability for the Lessee of a horse - call for an appropriate application to cover a lessee.
Download Equine Personal Liability Application