Carrying care, custody, and control liability insurance is essential for anyone responsible for horses they do not own. Whether you board, train, transport, or handle these animals, this specialized horse insurance protects you if something happens while the horses are supervised.

Liability insurance can cover veterinary and surgical expenses if a horse suffers illness, injury, or even death while in your care, custody, and control. It may also provide a legal defense should you face a lawsuit, helping safeguard your business and finances. This coverage protects you from major losses, regardless of the lawsuit’s outcome.

Working with General Liability Coverage

Many professionals assume their Commercial General Liability (CGL) policy is enough. However, CGL typically covers third-party bodily injury or property damage, not the horses in your care. That’s where care, custody, and control liability insurance steps in. For example:

If a boarded horse escapes and causes an accident, your CGL policy would cover property damage or bodily injury to others.

At the same time, care, custody, and control liability insurance would address the horse’s value.

Remember that this coverage is not automatically included in a CGL policy—it must be specifically requested or purchased separately.

Tailoring Coverage to Your Needs

When applying through Ark Agency, you can set limits based on the horses’ values and your potential exposure. For example, caring for ten non-owned horses valued at $10,000 each, you might select $10,000 per horse and $100,000 in coverage. This ensures protection in barn fires, trailer accidents, or property-related injuries.

Why Both You and Owners Need Coverage

It’s important to explain to horse owners that horse insurance for mortality or major medical expenses is their responsibility. Care, custody, and control liability insurance covers losses only when your negligence is involved. It does not replace an owner’s personal horse insurance policy.

Common Claim Scenarios

Typical claims include:

• A horse injured during training or showing.
• Trailer accidents while transporting horses.
• Escapes leading to road accidents.
• Injuries caused by unsafe property conditions.

Protecting Your Business

If you work with horses professionally, securing both horse insurance and care, custody, and control liability insurance is vital. Ark Agency can help you build the right policy for your unique risks. Call us to request a personalized quote today.