Commercial Equine Liability

Coverage Highlights

Equine Boarding, Breeding, Riding Instruction, Training & Racing Facilities, Horse Shows & Sales

Coverage & Limits Highlights

• Liability limits of $300,000 to $1 million
• General Liability Aggregate limits are 3 times the liability per occurrence limit
• Commercial general liability coverage applies on and off premises in the U.S, Canada, and U.S. territories
• Provides Bodily Injury and Property Damage limits
• Fire Legal liability $100,000 at no charge (in most states)
• Medical payments $5,000
• Limited professional liability coverage for horse, riding instructors and clinicians
• Personal/Advertising Injury included
• Products/completed operations included
• No liability deductible
• Defense cost paid in excess of policy limit
• ATV/Golf Cart coverage available for equine operations
• Participants coverage for horse shows
• 10% liability credit for approved national association memberships

Optional Coverages

Other Optional Coverages

• Owned Tack & Saddlery
• Excess & Umbrella Liability (with limits up to $10 million)
• International Liability (covers horses taken outside the continental U.S. to specified countries for shows, exhibitions, etc.)

Care, Custody & Control Coverage

Owning your own horse is a significant emotional and financial investment. Accepting the responsibility of caring for someone else’s cherished and valuable animal is also no small task. And since standard insurers don’t fully understand the risks you undertake when caring for the horses of others, most general liability policies don’t include this special coverage. That’s why the extra protection of Markel’s optional Care, Custody & Control (CCC) coverage is so important. With CCC, you’re covered if an animal in your care is injured, becomes ill or dies, and you are found negligent. This does not apply to horses you own or lease. Mortality insurance is designed for those needs.

Care, Custody and Control provides:

1. Defense and court costs for litigation, and payment for judgements up to the aggregate policy amount (per animal limit applies)
2. $10,000 liability limit for non-owned horse equipment
3. No deductible applies

Available by endorsement to your General Liability or Farm policy

Our Markel “Quick Quote” will take about 15 minutes of your time. We work hard at this process so you don’t have to. The application process can sometimes be a daunting task, and we are here to make it easy, so you can spend time with your horses and clients.

Why Choose Us for Insurance

Operating an equine business comes with unique opportunities and unique risks. Commercial Equine Liability Insurance from Markel, paired with the personalized service of Mary Phelps, helps protect your operation so you can focus on running your business with confidence.

Coverage Designed for Equine Businesses
Markel is a nationally recognized leader in equine insurance, offering liability protection specifically designed for equine professionals. Whether you operate a boarding facility, training program, breeding operation, lesson barn, or equestrian event service, Markel’s policies are tailored to the realities of working with horses.

Protection from Liability Risks
Working with horses inherently carries risk. Commercial Equine Liability Insurance helps protect your business from claims involving bodily injury or property damage related to your equine operations. This coverage can help safeguard your financial stability if an accident occurs.

Industry Knowledge You Can Rely On
With decades of experience in the equine insurance space, Markel understands the needs of horse professionals. Their policies are built with equestrian operations in mind, helping ensure coverage aligns with how your business actually operates.

Personalized Service from Mary Phelps
When you work with Mary Phelps, you receive guidance from someone who understands both insurance and the equine industry. Mary helps evaluate your operation, identify potential liability exposures, and recommend coverage that fits your specific business needs.

Confidence for Your Growing Operation
From small private barns to large commercial equine facilities, Markel and Mary Phelps provide dependable protection and responsive support. Their shared goal is to help protect your business so you can continue serving clients and caring for horses with confidence.

With Markel’s specialized equine coverage and Mary Phelps’ dedicated service, your equine business has the protection it deserves.

Why Work with Mary Phelps

Insurance should feel personal, not transactional.

Mary Phelps helps you:

• Understand your options clearly
• Select the right level of protection
• Avoid overpaying or underinsuring
• Enroll with confidence

You are not just buying a policy. You are making a responsible decision for someone who depends entirely on you.