How much liability insurance? - The Horse Forum

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post #1 of 39 Old 05-01-2012, 10:10 AM Thread Starter
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How much liability insurance?

My one horse is going to a therapeutic riding center for the summer, so I am looking at additional (over and above what the center holds) liability insurance to cover my interests. Is $1m per occurrence/$2m total enough?
WHat do you all think? WHat do others do?

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post #2 of 39 Old 05-01-2012, 08:03 PM
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I'm not sure there is ever enough, but I carry a million dollar umbrella policy.

For we wrestle not against flesh and blood, but against principalities, against powers, against the rulers of the darkness of this world, against spiritual wickedness in high places.
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post #3 of 39 Old 05-01-2012, 08:28 PM Thread Starter
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Yeah, that was what I was thinking-$1m/occurrence, $2m total.

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post #4 of 39 Old 05-02-2012, 08:02 AM
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I had an auto accident about 3 years ago. Long story, but it was a 5 car pile up, weather related, black ice, and I was car number 4.

Driver of car number 1 sued everyone for 525,000.

At that time I had a 500,000 policy. I was the only one that had an insurance company lawyer.

The case took about 2 and a half years to settle. My insurance company paid $1500.

I hate to think what the lawyer bill would have been, and I'm glad I had adequate coverage.

Shortly after the wreck, I bought the umbrella.

First time in my 54 years I've ever been sued.

For we wrestle not against flesh and blood, but against principalities, against powers, against the rulers of the darkness of this world, against spiritual wickedness in high places.
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post #5 of 39 Old 05-02-2012, 10:45 AM Thread Starter
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We have actually been sued twice as a result of car accidents-one mine-one a passenger of the daughter-frustrating, and I would be homeless without good insurance.

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post #6 of 39 Old 05-02-2012, 02:24 PM
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So, who do you recommend or use to buy your insurance? I would like to get insurance for my two mares that I do shows with and transport frequently. Also, does anyone carry insurance policies for health as well as accident insurance?
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post #7 of 39 Old 05-02-2012, 02:36 PM
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Discuss it with your insurance provider. They are the experts in this situation. That way if something does go wrong, you can know you did everything you could.
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post #8 of 39 Old 05-02-2012, 02:38 PM Thread Starter
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I have a mortality with Colic surgery coverage on my reiner and now Liability on both. I use Star H for the mortality and major medical, and this is the info for the liability:

Ceirin Jerril (pronounced Karen)
Neuman Equine Insurance
Neuman Insurance Group
3363 Tates Creek Road, Suite 204
Lexington, KY 40502
859-231-0213 fax: 859-231-0206
859-327-7858 cell
www.equineinsurance.com
Normal Business Hours 8:30 am to 5pm M-F

I had used them previously for liability, so did not switch over to the the folks who provide the Mortality,colic surgery. Just FYI-they will not provide mortality/major medical on a horse over 18 yrs, for obvious reasons. I am now looking into major medical, since the bill for a recent colic was $600, and nothing was covered. With major medical about $250 would have been.
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post #9 of 39 Old 05-02-2012, 02:40 PM Thread Starter
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Quote:
Originally Posted by mls View Post
Discuss it with your insurance provider. They are the experts in this situation. That way if something does go wrong, you can know you did everything you could.
Most normal insurance folks have no clue. I found it on the net, and used to have farm insurance, so had some knowledge from there. THe guy who does our auto and house-not a clue.

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post #10 of 39 Old 05-02-2012, 02:45 PM
mls
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Quote:
Originally Posted by franknbeans View Post
Most normal insurance folks have no clue. I found it on the net, and used to have farm insurance, so had some knowledge from there. THe guy who does our auto and house-not a clue.
Whoever is writing your policy should know about the coverage they are offering. If the local agent does not, go up the food chain.
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