Commercial Equine Liability

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It’s essential that your equine business be protected with an insurance policy specifically designed for your operations.  It is equally important that the company has a strong financial background and extensive commercial agribusiness and recreational underwriting experience.

The Equestrian Group Commercial Agribusiness Insurance Program offers some of the industry’s broadest and most comprehensive coverage available to the  equine business owner at a competitive preferred price.

Allen Financial Insurance Group  offers a full inventory of specialty lines, including commercial property, casualty, fidelity, surety and professional lines. With operations in 50 states, CapSpecialty provides commercial  property and casualty insurance, accident and supplemental health insurance, surety and professional liability to a diverse group of clients.

We have been servicing farm and ranch clients for over thirty years.  In the event of a loss, our clients are secure in the knowledge that their claim will be processed by our in-house claims staff specially trained to handle equine losses. 

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The CapSpecialty Commercial Agribusiness Insurance Policy offers some of the industry’s broadest and most comprehensive coverage available to the  ranch or farm owner at a competitive preferred price.  Coverage can be custom designed to meet the specific needs of your operation, from a small acreage training stable to a multiple location commercial facility.

Coverage can be custom designed to meet the specific needs of your operation, from a small training stable to a multiple location commercial operation.


Specialty Markets

Auction Houses & Livestock Dealers

Group Accident & Medical Coverage

Bed & Breakfast Operations

Camps & Campgrounds

Equine Mortality & Major Medical

CAT Property Coverage

Farm Products

Feed, Hay and Grain Dealers

Hunt Clubs & Associations

Liquor Liability

National Equine Association Programs

Polo Clubs & Associations

Resort Operations

Rodeo Events & Stock Contractors 


Preferred Markets 

Boarding & Training Stables

Riding Instruction

Equine Assisted Therapy

Equine Care Custody & Control

Farrier Insurance

Horse Shows & Special Events

Farm Supply Stores

Guest Ranches

Guides & Outfitters


Pony Rides & Petting Zoos

Riding Clubs & Associations

Rental Dwellings

Veterinarian & Animal Services




  • Replacement Cost
    Primary buildings and structures when insured to  80% or more of replacement cost value

  • Improvements and Betterments

  • Ordinance or Law
    Increased cost of construction

  • Fences, corrals, pens, chutes and feed racks

  • Private Power and Light Poles

  • Inflation Guard

  • Blanket Coverage:
    Available for farm buildings other than dwellings

  • Portable buildings and structures

  • New Construction – Builder Risk

  • Sump overflow & water backup from sewers & drains




  • Machinery & Mobile Equipment 

  • Personal Property of Others

  • Tack & Related Supplies

  • Replacement Cost 
     Available for office contents and tack

  • Transportation

  • Inventory

  • Farm products

  • Property in custody of common carrier

  • Livestock

  • Peak Season


  • Coverage for lost income and extra expense

  • Loss of Rents


  • Newly acquired or leased premises:
    Automatically covered during policy term. Must be added at renewal to be covered.

  • Contractual Liability

  • Custom Farming:  (coverage option)

  • Pollutant Cleanup  (sudden & accidental)

  • Automobile  (coverage option)

  • Personal Injury:
    False arrest, slander, wrongful entry and eviction covered

  • Advertising Liability: Included

  • Equine Professional Liability (coverage option)

  • EPLI (coverage option)

  • Incidental Business Pursuits:
    Available subject to underwriting guidelines for charge

  • Catastrophe Liability:
    Excess liability available with limits $1,000,000 to $50,000,000

  • Care, Custody & Control
    Optional coverage for horse of others under your control with limits $5,000 to $250,000

Equine Professional Liability

Available as an addition to a CGL policy, Equine Professional Liability provides coverage for damages arising from legal liability resulting from any negligent act, error, or omission arising out of the insured’s professional equine activities.

Care Custody & Control

This insurance is essential for any equestrian business who board or train horses or who are responsible for other people’s horses while showing or racing them. The policy pays all sums you are legally obligated to pay others for damage to horses in your care, custody or control.

Commercial General Liability insurance pays the damages for liability imposed upon you or your business by the law. It also pays the cost of defending you when a claim is made against your policy. 

Without adequate liability coverage you will have to pay damages and defense costs yourself.  If these damages and costs are high enough you may suffer financial hardship or bankruptcy. 

If you have employees you should carry workman’s compensation insurance as they are not covered under the general liability policy.  You should also make sure that any independent contractors or vendors that work with you show proof of their own liability insurance and ask that you be named as an Additional Insured on their policy.  This is especially true if they are an independent instructor or trainer working at your facility.

Primary & Excess Limits 

Occurrence$300,000 – $1,000,000

General Aggregate$600,000 – $2,000,000

Aggregate Products / Completed Operations$600,000 – $2,000,000

Personal / Advertising Injury$300,000 – $ 1,000,000

Medical$5,000 – $10,000

Fire Legal Liability$100,000

Excess / Umbrella Liability$5,000,000

Things You Should Know

Why Do I Need Equine Liability Insurance?

If you operate an equestrian business or organize equine events, you know how much planning and effort is involved to make the occasion both safe and successful for everyone involved. Even with the most careful planning, unexpected situations can arise that you might not be prepared for.  Without adequate liability protection you will have to pay damages and defense costs yourself.  If the damages and costs are high enough you may suffer financial hardship or bankruptcy.

What Does The Equine General Liability Policy Cover?

This policy was specifically designed to protect your event anywhere in the United States, it’s territories or Canada.  The general liability policy will pay the damages imposed upon you or your business by the law.  It also pays the cost of defending you when a claim is made against your policy.  Coverage is written on a full occurrence basis by an Admitted, A rated US insurance company and is tailored to fit your specific event needs.  The policy will also add the premises owner, venue, sponsors, volunteers and co-producers as additional insureds.

Certificate of Insurance vs Additional Insured Endorsement

When producing a special event you will often be asked to provide a certificate of insurance to verify the existence of insurance coverage under specific conditions.  More specifically, the document lists the effective date of the policy, the type of insurance coverage purchased, and the types and dollar amount of applicable liability.

Frequently, another party such as the venue or a sponsor will ask to be named as an additional insured on your policy.  The additional insured then enjoys the benefits of being insured under your policy your for negligent acts and omissions but not for his own negligence.

More Things You Should Know

What is Third Party Property Damage Liability (Care, Custody, Control Liability)

Most liability policies have provisions that exclude coverage for physical damage or loss to property while it is in the care, custody or control of the insured.  Care, Custody, Control Liability (also known as Third Party Property Damage) is an optional coverage that will pay for negligent injury to horses under your control.

What is Waiver of Subrogation?

Very often, a contract or lease agreement will require one or both parties to waive their rights of subrogation.  Subrogation means one party has the right to “step into the shoes” of another party for the purposes of bringing a claim for damages.  Suppose you experience a financial loss due to the negligence of a third party.  Normally you could sue the responsible party for full restitution but if your insurance company pays the claim your insurer is then subrogated to your claim against the negligent party.  In essence, your insurance company has been given your rights of recovery after paying your claim.  Before you sign a contract containing a waiver of subrogation, check with your insurance agent to be sure you are not violating any of the terms of your insurance policy.  If your policy will not permit a waiver, you may be in danger of losing your insurance coverage, leaving you without policy proceeds or a cause of action against the other party.  If the insurance company does permit a waiver of subrogation, it may be necessary to obtain an endorsement to the policy and, in some cases, pay an additional premium.

What are electronic signatures and how are they enforceable?