Equine Personal Liability Insurance

$1,000,000 excess equine personal liability insurance is available for NCHC Individual and Lifetime dues-paying members. This insurance is in excess of any other valid and collectible insurance. Some exclusions apply.

Scenario 1

If you keep your horse at home or board at a stable and aren’t engaged in any equine activity for which you are paid, personal equine liability insurance may be all you need. It protects you in case your horse injures someone or does property damage.

Scenario 2

If you travel with your horse to a horse show and while there, your horse kicks a vehicle or person and causes damage, you could be held liable.

Scenario 3

If you keep your horse at home or board at a stable and aren’t engaged in any equine activity for which you are paid, personal equine liability insurance may be all you need. It protects you in case your horse injures someone or does property damage.

Reasons You Need Equine Liability Insurance

  1. Owing horses comes with the risk of a liability lawsuit, remember what our Mothers have all told us: 
    “It’s only fun until somebody gets hurt”
  2. Many farm and homeowners’ policies do not mention equine liability so we encourage you to ask your insurance carrier, be honest about your current activities and if they say that they cover your activities, then make them put it in writing
  3. If you have a homeowners policy, the NCHC liability policies is stackable1 That means that you can add an addition One Million Dollars in Coverage to your existing policy. That’s important in the current “high dollar” settlements.  
  4. The State Equine Liability Sign and your release and hold harmless waiver that you use are great, but they do not hold “magical powers” and remember anyone can sue anyone! 
  5. Insurance can be expensive. However, because we are such a large group, we can sell our limited liability policy at a very reduced rate. But we can only sell the policy to our NCHC members, so….Come Join the Herd !

To purchase the liability insurance, you must be a current member of the NCHC. Not a member?