Jorene Mize - Equine Insurance AgencyJorene Mize Insurance Agency

Specialists in Equine Insurance

Boarded Horse

Horse Boarding Insurance

Licensed in all states EXCEPT:  Alaska, Delaware, Hawaii, Illinois, Rhode Island, West Virginia, and Wyoming.

Understanding Horse Boarding Insurance

Carrying liability insurance should be a priority to everyone in the Equine world, because all equine activities - whether a profession or a hobby - comes with unpredictable circumstances.

Horses are animals, so even the best of horsemen, or the most gentle of horses, can find them selves in unintended or in unexpected situations

Look at some examples of unexpected circumstances in the left hand margin of this page...

Boarding Facilities, Stable owners, and even a general owner who boards a horse for a friend, are at a higher risk to unpredictable circumstances -- because in most cases you don't know the complete history of the horses in your care, and have little control over a horse that is lacking in training, is ill mannered, or disrespectful to people or its surroundings. Liability coverage is designed to help pay for the cost of lawyers to defend the boarding stable and help pay fines or penalties in the event of circumstances that may arise in which you are found negligant or legally liable

Some people think you must be a large facility or must have a business license to get liability coverage. This is not true. You can protect yourself with liability coverage whether you board just one horse as a hobby, or board 300 as an extensive Equine Operation. This also applies to someone who keeps friend's or relative's horses on their property -- whether they do it as a paid service or not.

If you're providing the care of someone's horse, you're at risk of being personally sued for damages if something happens, and you'd be wise to carry a liability policy.

Horse Trainers & Boarding Insurance Coverage

Boarding facilities often have instructors or trainers available to their boarders, or allow instructors or trainers to conduct business at their facility. If you as a stable owner employ someone to instruct or train solely under your facility, they can be added to your liability policy. If you have added an instructor or trainer under your liability policy, it only offers coverage when the instructor or trainer is conducting business at your facility, or as a representative of you or your stable. An instructor or trainer who is not your employee or contractually obligated in some way to your facility should carry their own liability policy and have your facility named as an additional insured to their policy. Ask them to provide proof to you as the stable owner by a certificate of liability showing YOUR facility or name on the certificate as an additional insured.

Understanding Care, Custody & Control (CCC)

CCC covers boarded horses if one (or more) of those horses is injured or dies while in your care and you are found negligent.  The policy provides for the mortality or medical care of the value of the horse, up to the limit of coverage you purchase. This is available for all states except those listed above.

For example, lets say the CCC  coverage is  $5,000 for a single instance, and $25,000 in aggregate. In that case, the CCC pays $5,000 for any horse not owned by you for illness, injury or death, caused by you  unintentionally. Let's say you  take a boarder's horse out to the arena or pasture for exercise and the horse  bolts and runs into the road and gets injured or  killed, this coverage pays  up to $5,000 for that accident, subject to a $250.00 deductible (deductibles may vary). However, if the  owner is letting their horse out and the same circumstance arises, there is  no coverage, because you had nothing to do with the occurrence.  If several horses were injured, let's say by a fire, the maximum the company will pay at the 'aggregate' coverage levels in this example is $25,000.

Horses YOU OWN can be covered under your boarding stable liability policy; however, Care Custody & Control coverage does not apply to your horses. What this means is, your equine boarding stable insurance may provide liability coverage for YOUR OWN boarded horses for damage they cause and for which you're legally liable, but the cost of medical care or the cost to replace YOUR OWN horse is not covered. For that, you should carry Equine Mortality Insurance for YOUR OWN personal horses

Get a Free Quote via any of three methods:

Building insurance coverage is only available in California.

To receive an online quote, please fill out the following form:

Contact Information:

First & Last Name:    
Street Address: City:
State: Zip Code:
Phone #  
Verify Email    

Stable Information

# of Acres owned/leased: # of horses boarded: 
# of barns Stalls per barn:
Annual income generated *
* NOTE: If you don't give an income, we can't provide a quote!
The premium is calculated with the income as one of the main variables.  If you're starting a new business, provide your best estimate of expected annual income.

Lesson Information

Any lessons given?
(If no, skip to "General Information", below)
If yes, is an independent contractor used?
Number of owned horses used for training
    Income per lesson for those horses you own.
    Total number of lessons per week on those horses you own
Number of lessons per week on student owned horses
  Income per lesson on these student owned horses

General Information

Riding facilities: (Arenas, trails, etc.) 

Any other use of the premises, or other general comments? Boarding stables often offer schooling shows, clinics, play days and other activities relative to horses.  Most of these activities can also be covered under your policy -- though some activities are excluded from coverage and some may need to be approved. 

I would also like to receive information on Care, Custody, and Control insurance



Our goal is to have personal contact with you, to enable us to provide you with the fastest possible quotes, while using only an A rated insurance carrier.  We strive to give you the service that you deserve. I promise to provide free, accurate, timely, and personalized responses.

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