Albract Harwood Insurance has a variety of equine liability related coverage's and we are always open to inquiries about placing coverage for the unique and unusual.

 

Commercial Liability

This coverage is vital protection if you perform any commercial equine activities such as boarding, instruction, riding academies, training, breeding, clinics or horse sales. Coverage is provided if you are sued by a third party who is injured or whose property is damaged due to your horse-related activities. This coverage covers defense costs and claims for which you are legally liable, up to the policy limits.

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Personal Liability

In the event your horse injures a third party or damages their property, we can provide you coverage for defense costs and pay claims for which you are legally liable during the policy period.

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Care, Custody & Control

Many farm and ranch owners and operators who board, breed or train animals owned by others assume they will never be sued, or if they are sued they assume that their General Liability coverage will protect them in the event of a death or injury to a horse left in their care. What many do not realize is that most General Liability policies exclude coverage for death or injury to horses in your care. This coverage will protect you with defense costs and will provide for medical care and/or replacement cost of an animal up to the policy limits if a horse is injured or dies while in your care and you are found negligent. With limits available up to $250,000 per animal and $500,000 maximum loss per policy year, you can buy only the coverage you need.
This is a brief description of the Liability coverages offered. Based on underwriting requirements from each company not all coverages may be available. Please refer to your policy wording for complete details of coverages, conditions and exclusions.

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Insure Your Independent Equine Shows and Events

Liability coverage is available for single horse shows, equestrian events or clinics. Our program provides coverage for the actual days of your show or event and includes days for both set-up and take-down.
We can custom-tailor a policy that will fit your insurance needs. Our modular format offers a variety of coverages to choose from.

This is a brief description of the Show/Event overages offered. Based on underwriting requirements from each company not all coverage may be available. Please refer to your policy wording for complete details of coverage, conditions and exclusions.

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Insure Your Clubs and Associations

Groups wishing to protect themselves can obtain liability coverage with a Club and Association policy. This coverage helps to protect your group if you are faced with a lawsuit by a third party. Defense fees as well as claims for property damage and/or bodily injury are covered.

This is a brief description of the Club and Association coverages offered. Based on underwriting requirements from each company not all coverages may be available. Please refer to your policy wording for complete details of coverages, conditions and exclusions.