We have a specially
designed liability policy to cover the unique liability exposures of Race
Horse Owners for injury or damage caused by the horses. Individuals,
partnerships, corporations and syndicates which own racing stock (including
stallions at stud, broodmares and yearlings) but are not directly involved
in breeding, training or racing (i.e. contract with independent trainers,
breeding farms) are eligible. Owners should obtain certificates of insurance
from the independent contractors to assure adequate protection. Prices are
very competitive with liability limits to $1,000,000.
The coverage of this
policy is designed to insure you for your legal liability up to the limits
of the policy. When a person is injured or property is damaged as a result
of activities involving the horse or horses you own we will, subject to the
exclusions in the policy, settle claims for which you are legally liable,
including defense costs.
Certain exclusions and
limitations apply to the Race Horse Owner's Liability policy so please refer
to the policy itself for more information. This material is not the policy
itself and it is designed only to describe its contents. It is important to
discuss all the coverage provided and exclusions contained in the policy
with your agent before purchasing any insurance plan
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DOWNLOAD RACE HORSE LIABILITY APPLICATION FORM 