How much liability insurance?

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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This is a common mistake. First, it only protects you from those inherent risks. Should someone decide (along with an attorney that their loss wasn't from an inherent risk you could be sued. Without having liability you will have to pay the cost to defend yourself. Second most policyies are are limited to the $1mill/$2mill but you can buy umbrella's for larger amounts. If you just use your horses personally you homeowners should cover and personal umbrella should cover it. Generally raising you home liability from $300k to $1million cost about $25 a year. If you have an equine business you need to talk to someone that deals with that. There aren't a ton of companies that do, but Travelers is one, and ANPAC/Farm Family is another.

Mortality is again something that is more specified and not every agent can do that. Message me if you want as we offer an agreed value policy with $5,000 for emergency colic surgery. You can also add medical if you wish.

I sure wished California would adopt the liability laws that WY and TX have.
Its pretty bad when you have to triple insure yourself because some a hole will sue you for thier stupidity. In this state, if you have a hole on your property and you tell me don't step there, you could get hurt in that hole, and I step there I can sue you. Now how freakin dumb is that !! If I boarded and got hurt in an arena on My horse, I could sue the stable owner. Stupid .

Stevenson-same way here in NY, which is where my horses are, which was why I asked the question. My residency is in VA, which HAS the better laws, but call me a cynic, someone can always find a way to sue you, or, the latest-even with signed waivers, their health insurance company coming after you for payment if they are injured. THis is why, I have all the balloons I can get on my home owners, and I have the seperate liability for the horses. The horse who does therapeutic riding is also insured by the place that uses him, and I am listed as a covered person as his owner. I like my homes, etc, and see the premiums as the best way to make sure I keep them.

The law in Texas was written to protect not only all livestock owners but the people who produce rodeos and horse shows.
If I give you faulty equipment for riding or have hazardous things lying around then you have the right to sue me.
If my horse kicks you throws you or my bull gores or charges you on my property I am protected from being sued. Shalom

DOes any of that protect you if your horse or bull gets out and someone dies as a result of, say, hitting it with a car? That is the kind of liability my regular insurance guy said I needed more coverage for. That and the fact that NY has the crappy laws it does.....

FrankN Beans when we switched policies last year the agent was not concerned about the horses and cattle he was concerned about the fences. He was here about 2 hours and with miles of fencing he was very concerned about the type and hieght. ( 4 1/2 feet tall and barbed wire} for the perimeter. He took a lot of pictures of the gates. We passed. If our cows or horses get out we are covered.
In Texas agriculture still plays a very large role in our economy.
Plus all those large ranches with all those cattle and horses also have lots of oil. The ranching and oil and gas industry are tied hand to hand and are well protected from lawsuits. Shalom

I wish NY would follow suit and use some common sense. But then, that is not so "common", is it?

Speaking of "common sense"......here is one that makes me smile every time. When I get this liability insurance I have to decide whether or not I want Terrorism coverage as part of it. Seriously. I have yet to go for that one.

Does anyone know if the equine law exist in PA? Just wondering. Additionally, I will ride my horse in a parade July 4th for the local 4H. The local 4H does not carry any insurance (surprisingly). So I need to get insurance for the parade. Glad to see this post.

Does anyone know if the equine law exist in PA? Just wondering. Additionally, I will ride my horse in a parade July 4th for the local 4H. The local 4H does not carry any insurance (surprisingly). So I need to get insurance for the parade. Glad to see this post so at least I know where to start.

I Kansas, once you join the Equine Council you can purchase a million dollar liabilty policy for equine for very little money (I think $100). It won't cover any equine business or commercial use, but would certainly be fine for those that don't have a farm and/or board. I am unsure whether it would provide coverage for competition.

You really need to ask your agent if your home insirance covers pleasure use of your horses. Many times they limit the number to 2-3 before deciding you need a farm type of policy. If does, increase your limits! As an agent it so frustrating to see people (even non equine related) have lower limits, just because that is what has aways been sold.