How much liability insurance? - Page 2 - The Horse Forum
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post #11 of 39 Old 05-02-2012, 02:46 PM
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Thank you so much for the info. I see ads online for equine insurance and in magazines, but wanted to find one that someone has actually used and knows something about. Again, thanks!
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post #12 of 39 Old 05-02-2012, 02:55 PM Thread Starter
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Originally Posted by mls View Post
Whoever is writing your policy should know about the coverage they are offering. If the local agent does not, go up the food chain.
You don't seem to understand. Equine insurance is totally seperate, at least anywhere I have lived. THere IS no local agent who does horse stuff. THere was one who would write a farm policy, but I don't have a farm. This is just for the individual horse(s). Has nothing to do with going up the "food chain". For example, auto is with Progressive. No matter HOW high I go in the "food chain" they don;t insure horses, and my agent for auto and home does not underwrite for any carriers who do. Simple as that. Horses are specialized. Much like my son has specialized insurance for his show car.

Star H comes very highly recommended by my trainer who has used them for years.

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post #13 of 39 Old 05-02-2012, 04:37 PM
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Travelers insurance sent an agent to be a guest speaker to our riding club meetings, they sell equine liability, showing, and business type horse insurance. I have equine liability through farm buuuroooooo,,,, (cant even get close enough for spellcheck, stupid stupid word) but it is part of my farm policy.
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post #14 of 39 Old 05-02-2012, 04:44 PM
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Bureau.......LOL some words are just a pain, aren't they???
I have had Travelers health insurance through the railroad before and it was really good, but that was many, many years ago.
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post #15 of 39 Old 05-02-2012, 09:04 PM Thread Starter
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The issue is, what if you don't have a farm policy, which I no longer have need for. Anyway- I did my binder today, so I am set.

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post #16 of 39 Old 05-02-2012, 09:27 PM
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Originally Posted by DressageDreamer View Post
Thank you so much for the info. I see ads online for equine insurance and in magazines, but wanted to find one that someone has actually used and knows something about. Again, thanks!
I get my equine liability from USEF. I'm about to sign on with Markel for mortality and surgery/medical insurance. They do offer free colic surgery and have optional rates for things to add on to the policy.

For what I was looking for it was a great deal. Everything else would have cost a lot more and not covered me as well as this one.
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post #17 of 39 Old 05-04-2012, 09:16 AM
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I only insure the horses and have no need for liability insurance since in Texas livestock owners are protected by section 87 of the civil code.
Section 87 simply states that livestock owners and equine professionals cannot be held liable for injuries due to the inherent risk involved when around livestock.
With the amount of horses in this state the courts would be tied up if everyone injured by a horse wanted to sue. Shalom
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post #18 of 39 Old 05-14-2012, 09:08 AM
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From what I have found, $2M/#$1M is the maximum equine policy you can get. A few years back I was looking for something with higher limits. To make a long story short, neither myself or my agent could find a carrier that would offer higher coverage limits.

$2M/$1M is generally considered the "standard" for equine groups and clubs in my area. An additional umbrella policy may or may not offer you additional coverage. You really need to speak with a knowledgeable agent to get details and find out what coverage is right for you.
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post #19 of 39 Old 05-14-2012, 05:26 PM Thread Starter
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Quote:
Originally Posted by dbarabians View Post
I only insure the horses and have no need for liability insurance since in Texas livestock owners are protected by section 87 of the civil code.
Section 87 simply states that livestock owners and equine professionals cannot be held liable for injuries due to the inherent risk involved when around livestock.
With the amount of horses in this state the courts would be tied up if everyone injured by a horse wanted to sue. Shalom
Not true in this state, which was why I asked. I also insure the horses. 2 seperate issues.

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post #20 of 39 Old 05-21-2012, 07:06 PM
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Quote:
Originally Posted by dbarabians View Post
I only insure the horses and have no need for liability insurance since in Texas livestock owners are protected by section 87 of the civil code.
Section 87 simply states that livestock owners and equine professionals cannot be held liable for injuries due to the inherent risk involved when around livestock.
With the amount of horses in this state the courts would be tied up if everyone injured by a horse wanted to sue. Shalom
That could really come back to bite you... Oregon also has very strong equine liability laws, but they don't cover situations like a horse bolting into traffic and causing a car accident. I'd bet the same is true in TX.
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