How much liability insurance? - Page 2
 
 

       The Horse Forum > Horse Resources > Horse Law

How much liability insurance?

This is a discussion on How much liability insurance? within the Horse Law forums, part of the Horse Resources category
  • Powered by vBulletin legal malpractice insurance
  • How much does markel charge for personal liability equine insurance

Like Tree4Likes

 
LinkBack Thread Tools
    05-02-2012, 03:46 PM
  #11
Weanling
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!
     
Sponsored Links
Advertisement
 
    05-02-2012, 03:55 PM
  #12
Trained
Quote:
Originally Posted by mls    
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.
     
    05-02-2012, 05:37 PM
  #13
Green Broke
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.
     
    05-02-2012, 05:44 PM
  #14
Weanling
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.
     
    05-02-2012, 10:04 PM
  #15
Trained
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.
     
    05-02-2012, 10:27 PM
  #16
Showing
Quote:
Originally Posted by DressageDreamer    
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.
DressageDreamer likes this.
     
    05-04-2012, 10:16 AM
  #17
Trained
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
     
    05-14-2012, 10:08 AM
  #18
Weanling
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.
     
    05-14-2012, 06:26 PM
  #19
Trained
Quote:
Originally Posted by dbarabians    
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.
     
    05-21-2012, 08:06 PM
  #20
Green Broke
Quote:
Originally Posted by dbarabians    
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.
     

Quick Reply
Please help keep the Horse Forum enjoyable by reporting rude posts.
Message:
Options

Register Now

In order to be able to post messages on the The Horse Forum forums, you must first register.

Already have a Horse Forum account?
Members are allowed only one account per person at the Horse Forum, so if you've made an account here in the past you'll need to continue using that account. Please do not create a new account or you may lose access to the Horse Forum. If you need help recovering your existing account, please Contact Us. We'll be glad to help!

New to the Horse Forum?
Please choose a username you will be satisfied with using for the duration of your membership at the Horse Forum. We do not change members' usernames upon request because that would make it difficult for everyone to keep track of who is who on the forum. For that reason, please do not incorporate your horse's name into your username so that you are not stuck with a username related to a horse you may no longer have some day, or use any other username you may no longer identify with or care for in the future.

User Name:
Password
Please enter a password for your user account. Note that passwords are case-sensitive.
Password:
Confirm Password:
Email Address
Please enter a valid email address for yourself.
Email Address:

Log-in

Human Verification

In order to verify that you are a human and not a spam bot, please enter the answer into the following box below based on the instructions contained in the graphic.


Old Thread Warning
This thread is more than 90 days old. When a thread is this old, it is often better to start a new thread rather than post to it. However, If you feel you have something of value to add to this particular thread, you can do so by checking the box below before submitting your post.

Thread Tools

Similar Threads
Thread Thread Starter Forum Replies Last Post
looking for equine liability insurance BaywoodFarmNC Farm Forum 8 03-10-2012 11:53 PM
need advice about equine liability insurance WSArabians Horse Training 0 02-23-2012 05:11 PM
Commercial Liability Insurance kywalkinghorse2010 Horse Training 0 07-26-2011 09:03 PM
Liability insurance question franknbeans Horse Law 3 09-14-2010 07:51 PM
liability insurance questions Greg1993 Horse Law 0 12-11-2008 02:52 PM



All times are GMT -4. The time now is 11:22 AM.


Powered by vBulletin® Version 3.8.5
Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.
Search Engine Friendly URLs by vBSEO 3.6.0