Liability insurance question
 
 

       The Horse Forum > Horse Resources > Horse Law

Liability insurance question

This is a discussion on Liability insurance question within the Horse Law forums, part of the Horse Resources category
  • Can a horse be added to umbrella policy

 
LinkBack Thread Tools
    09-09-2010, 11:51 AM
  #1
Trained
Liability insurance question

I am looking into the possibility of a free lease of one of my horses to a therapeutic riding program. I will be added to their insurance policy, and will get a certificate saying that I am, but I would be more comfortable if I had my own policy also, as a back up, just in case. I have been talking to one company, and they don't seem to get it. They keep telling me it is $X but won't cover me if the horse is used commercially, which doesn't help me. UGH!
Any ideas? Companies who you all like?
I know it is overkill, but it is the only way my hubby will let this happen......
     
Sponsored Links
Advertisement
 
    09-14-2010, 11:15 AM
  #2
Foal
Not sure what you exposure besides this is with equine, but you might try FarmFamily in the northeast. If that doesn't work if you belong to a state association you could look at their website or call them. Good luck!
     
    09-14-2010, 07:41 PM
  #3
Banned
Quote:
Originally Posted by franknbeans    
I am looking into the possibility of a free lease of one of my horses to a therapeutic riding program. I will be added to their insurance policy, and will get a certificate saying that I am, but I would be more comfortable if I had my own policy also, as a back up, just in case. I have been talking to one company, and they don't seem to get it. They keep telling me it is $X but won't cover me if the horse is used commercially, which doesn't help me. UGH!
Any ideas? Companies who you all like?
I know it is overkill, but it is the only way my hubby will let this happen......

Just so you know what you are asking for in insurance terms, it is called an umbrella policy. Sometime your own farm policy can have an addendum to it using this form and I would start there. There are some companies that specialize in shared liability both commercially and personally and your broker would be the person to ask.
     
    09-14-2010, 07:51 PM
  #4
Trained
Thanks-but don't have a farm anymore, so I don't have a policy currently that would cover the use of this horse "commercially", in a lesson, etc. I have called a couple places, and it looks like it would be between $7-800 for a $1m policy, that would cover both horses.
Now just waiting to see if he gets into the program......
     

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
Insurance question gratifite Horse Law 6 08-16-2010 03:09 AM
Liability when riding someone else's horse... RoyalsRebel Horse Riding 8 04-22-2010 10:34 AM
Boarding facility insurance question. Kaioti Horse Law 3 02-14-2010 01:22 AM
liability insurance questions Greg1993 Horse Law 0 12-11-2008 02:52 PM



All times are GMT -4. The time now is 02:45 AM.


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