Your horse may be one of your most important possessions, but it can also be your biggest liability. Individual horse owners place themselves and their assets at risk every time their horse comes in contact with people. Equine-related lawsuits occur more frequently than you may think, and many homeowners’ policies limit this type of equine liability coverage or exclude it altogether.

Markel has specifically designed an insurance policy to cover the private horse owner’s legal liability for both bodily injury and property damage to others resulting from horse ownership. Individual owners of personally owned equines can qualify for this affordable coverage.

NOTE: Not all coverages are available in all states. Markel is admitted in all 50 states, and is rated “A” (Excellent) by A.M. Best Company, Inc.

Mary Phelps

Licensed Agent and Equine Specialist
Mary.Phelps@markel.com
cell/text 859-940-8517
MSI CA license #: 0645481
MKL license # 83822/00053

Equine, Farm, Property, Casualty, Farrier
Cell/Text – 859-940-8517
Horses Daily Inc Office – 386-985-1429
Markel Equine Insurance – 1-800-572-3286

Please note that Mary Phelps, License # 83822/00053, is wherever indicated on these forms, if not already listed.
When going through all the applications, you may have questions, and that’s what I am here for.

Please text me at Mary Phelps 859-940-8517, and I will get back to you.

Coverage Highlights

  • Coverage applies on or off premises anywhere in the U.S., Canada, and U.S. territories
  • Limits of $300,000, $500,000 and $1 million available
  • General Liability Aggregate limits are 3 times the liability per occurrence limit
  • Medical Payments $5,000 included
  • Available for horses, donkeys and mules for personal and/or show use
  • Can be combined with your Mortality policy

Please note that Mary Phelps, License # 83822/00053, is wherever indicated on these forms, if not already listed.
When going through all the applications, you may have questions, and that’s what I am here for.

Please text me at Mary Phelps 859-940-8517, and I will get back to you.

Optional Coverages

  • International Liability (covers horses taken outside the continental U.S. to specified countries for shows, exhibitions, etc.)
  • Can include competition pulling horses
  • Excess Liability (with limits up to $10 million)

It’s easy and reasonably priced.

Why Choose Us for Insurance

Owning horses is rewarding, but it also carries responsibilities and potential risks. Private Horse Owner Liability Insurance from Markel, combined with the personalized service of Mary Phelps, helps protect you financially if an accident involving your horse leads to injury or property damage.

Coverage Designed for Horse Owners
Markel specializes in equine insurance and understands the unique risks associated with horse ownership. Private Horse Owner Liability coverage is designed specifically for individuals who own horses for personal use, helping protect against claims that may arise from everyday horse-related activities.

Protection Beyond the Barn
Even well-trained horses can behave unpredictably. If your horse causes injury to a third party or damages someone else’s property, liability coverage can help protect you from the financial impact of a claim.

Coverage That Travels with Your Horse
Whether your horse is at home, at a boarding facility, on the trail, or attending a show, Markel’s liability coverage helps provide protection in a variety of situations where horse-related incidents might occur.

Personalized Support from Mary Phelps
Mary Phelps works closely with horse owners to understand their situation and recommend coverage that fits their needs. From determining appropriate coverage limits to explaining policy details, Mary helps ensure you feel confident about your protection.

Trusted Equine Insurance Experience
With Markel’s reputation as a leading equine insurance provider and Mary Phelps’ attentive service, you gain a reliable insurance partner who understands the responsibilities of horse ownership.

Owning horses should bring enjoyment and peace of mind. Markel and Mary Phelps help make sure you have the liability protection needed to enjoy your horses with confidence.

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.