Breeding horses involves unique risks that aren’t always covered by standard homeowners’ or farm insurance policies. Whether you own and stand a stallion for public stud or manage a breeding facility, horse insurance from Ark Agency Animal Insurance Services helps safeguard your business from a range of liability exposures. Our specialized coverage addresses incidents arising from:

• Horse Sales and Showings
• Open House and Promotional Events
• On- and Off-Premises Activities
• Farm Visitors and Demonstrations
• Riding and Driving for Advertising Purposes

When you care for mares and foals that belong to others, your business faces additional liability. That’s why it’s essential to secure Care, Custody, and Control Liability Insurance (CCC), especially when offering foaling services or boarding for breeding purposes.

Understanding the Risk Level in Horse Breeding

While horse breeding is often managed with care, accidents can still happen. Horses are large animals, and injuries may occur when inexperienced individuals interact with them—whether by handling, training, or riding. Without the proper horse insurance, even a single incident can result in costly legal claims or medical settlements. Mitigating this risk with tailored liability coverage is not only wise, it’s essential.

Commercial General Liability Policy Explained

As a horse breeder, facing legal action over bodily injury or property damage is a daunting prospect. If a visitor sustains an injury or property is damaged during an interaction with your horses, the financial implications can be overwhelming. A Commercial General Liability Policy (CGL) tailored specifically for horse breeding operations mitigates these concerns.

The CGL protects against financial losses stemming from claims made by mare owners, farm visitors, or trespassers. By obtaining this horse insurance policy, you can rest easy knowing that coverage extends to bodily injury, property damage, and legal defense costs incurred as a result of your operations related to breeding, boarding, sales, and promotional activities.

Importance of Care, Custody, and Control Liability Insurance

Standard liability insurance doesn’t automatically protect horses you don’t own. That’s why Care, Custody, and Control Liability Insurance (CCC) is critical. If a non-owned horse becomes ill, is injured, or dies while in your care, this policy helps cover financial responsibility should the owner claim negligence.

If you board, handle, or care for horses owned by others, be sure to request this coverage separately when applying. Select your desired coverage limits, and our team will provide a quote tailored to your specific needs and operations. Learn to plan ahead with our Five-Pronged Strategy.

Additional Coverages Worth Considering

Beyond liability insurance, breeders should consider other protections. For example, if you lease your facility, your tack, machinery, and farm equipment may not be covered under your lease or standard liability policy. We offer a Property Coverage Endorsement to include these high-value items in your horse insurance policy.

You’ll be asked to declare your assets and their values when applying, and the endorsement will be added for an additional premium. This ensures your breeding operations are protected not just from liability, but also from equipment loss.

Standard Coverage Limits and What’s Included

Our horse insurance policies for breeding operations include important coverage areas such as:

• Medical Expense Coverage: Pays a modest amount for injury-related medical expenses without needing to establish fault.
• Legal Defense Costs: If you’re sued, legal fees can easily exceed $50,000. Your policy covers legal defense, regardless of whether the claim has merit.
• Settlements and Judgments: If you’re found negligent for an incident that causes bodily injury or property damage, the policy helps cover the costs.

Each component is structured to offer comprehensive protection so that your breeding operation isn’t financially derailed by unforeseen events.

Common Liability Incidents in Breeding Operations

Breeding operations can give rise to various claim scenarios, such as:

• A visitor injured while evaluating a stallion.
• A prospective buyer hurt while test-riding a sale horse.
• A horse escaping and causing a road accident due to a broken or open gate.
• A boarded mare suffering injury or death due to mishandling or negligence.

Care custody and control liability insurance helps protect you in each of these situations, shielding your business from devastating financial loss.

Start Protecting Your Breeding Business Today

Ark Agency Animal Insurance Services has decades of experience in the equine and livestock insurance industry. We work closely with our clients to develop tailored policies that address specific needs. Let our knowledgeable agents help you secure the right plan and liability coverage for your operation. Contact us today for a personalized quote or to speak with a specialist about how our horse insurance can protect your business.

Note: The information provided here is for general reference. Acting on our coverage recommendations does not guarantee coverage in the event of a loss or claim.