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You know the risks in your business. Thankfully, so does Markel.
Submit an online application or contact one of our appointed Markel agents to get a quote today.
Or call +1.800.842.5017 to speak with a horse insurance specialist.
Insurance coverage specifically designed for riding instructors and horse trainers .
With over 50 years of experience insuring horses and horse-related businesses, we aim to understand the risks and liabilities that riding instructors and horse trainers are each exposed to. In fact, Markel is the official insurance supplier of The American Riding Instructors Association (ARIA).
Why is insurance for riding instructors and horse trainers important?
You love horses and you love teaching people about horses. However, horses and people can both be unpredictable. So if someone gets hurt or property is damaged, you could be held liable.
Here are a few examples of accidents that could occur with horse-related businesses:
- An insured independent horse trainer was working on one of our insured’s farms when struck by lightning. He was taken away by ambulance to a hospital.
- During a riding lesson with an insured instructor, the horse stopped suddenly and the student was thrown off, fracturing her spine.
- While training a third party’s pony, an insured horse trainer was kicked in the face
What we offer
Markel provides affordable insurance coverage options specifically designed for riding instructors and horse trainers, including equine liability and limited professional liability coverage.
Our coverages can include:
- Liability limits of $300,000 to $1 million are available for bodily injury and property damage
- 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. and U.S. territories
- Fire Legal liability up to $100,000 at no charge (in most states)
- Medical payments up to $5,000
- Limited professional liability coverage for trainers, riding instructors, and clinicians
- Personal/advertising Injury included
- Products/completed operations included
- No liability deductible
- Defense cost paid in excess of policy limit
- Limited athletic participants coverage included
- Care, custody, and control – a “must” if you care for someone else’s horse
- Excess liability (with limits up to $10 million)
- International liability – covers horses taken outside the continental U.S. to specified countries for shows, exhibitions, etc.
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Frequently asked questions about riding instructor and horse trainer insurance
I care for other people's horses. What are my risks and liabilities?
Many people in your situation are underinsured and unaware of the level of protection they need. Learn more about our Care, Custody and Control coverage that can be added to your Horse Farm package or Commercial Equine Liability policy.
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.
You may also contact one of our appointed Markel agents, or download applications and supplemental forms to get a riding instructor and horse trainer insurance quote today.
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