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
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.