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Private horse owner

Protect your lifestyle with equine liability insurance. 

Submit an online application or contact one of our appointed Markel agents to get a quote today.

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Or call +1.800.842.5017 to speak with a horse insurance specialist.

Insurance coverage specifically designed for private horse owners.

Horses are big animals. And if they kick or stomp, it can cause serious damage. We understand these risks and have the insurance coverage you need. 

Markel's private horse owner liability insurance offers insurance protection against claims arising out of bodily injury or property damage caused by your horse, whether on or off your premises. Our equine liability insurance also offers insurance protection for horses, donkeys and mules for personal use and for show. 

Why is insurance for private horse owners important?

Equine-related lawsuits occur more frequently than you may think. And many homeowners’ insurance policies put limits on equine liability coverage or may simply exclude the coverage altogether. 

In one case, our client had someone loading hay into a barn when our client’s horse struck the other person’s pickup truck, damaging the truck in several places. Fortunately, our client had a Markel insurance policy to help pay for the repairs.* 

Another time, a client had their horse off premises in a paddock when someone who wasn’t paying attention walked behind the horse. Not surprisingly, they were kicked and needed surgery. But our client’s Markel policy helped pay for the medical costs.* 

*These examples are provided for illustrative purposes only. Any claim submitted under the policy would be evaluated on its own merits and facts compared to the terms of the policy. 

What we offer

Based on our long experience insuring livestock, Markel has developed the kind of insurance coverage that works for most private horse owners, including:

  • Bodily injury and property damage to others, caused by a named horse, on or off premises
  • Available for horses, donkeys, and mules
  • Applies to both personal and/or show use

Our coverages can include:

  • Coverage applies on or off premises anywhere in the U.S. and U.S. territories 
  • Limits of $300,000 to $1 million available 
  • General liability aggregate limits are 3 times the liability per occurrence limit 
  • Medical payments of $5,000 included 
  • Can be combined with a separate Markel horse mortality policy 

Available to be added to the private horse owner liability policy for additional premium.

  • International liability covers your horse if taken outside the continental U.S. to specified countries for shows, exhibitions, etc.
  • Coverage available for competition pulling horses
  • For extra protection, excess umbrella liability is available with limits up to $5 million
  • Frequently asked questions about private horse owner liability insurance

    Doesn't my homeowner's policy protect me against any losses that might be caused by my horse?
    Probably not. Many homeowner policies have at least one of three exclusions which could affect a horse owner. First, there may be an exclusion for claims which occur off your premises. If you take your horse to a show off premises and and he injures someone, that claim could be denied because the accident didn't happen on your property.

    What if my horse kicks someone or causes property damage?
    You would need a Private Horse Owner Liability policy that protects you against legal claims, whether an incident occurs on or off your property.

Association membership credits

A 10% credit is available towards liability premium if you are a member of one of our accredited professional associations.

Get the protection you deserve. 

Get a quote

You may also contact one of our appointed Markel agents, or download applications and supplemental forms to get a private horse owner insurance quote today.

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