Reasons Why Horse Owners Should Invest in Liability Insurance

August 19, 2016 by Linda



Owning a horse can be a fun and rewarding experience however, with any animal, it is wise to purchase insurance in case of any potential issues. However, before you invest in insurance, you should consider the reasons for why you’d need it. To learn more, read on!

When Your Horse Injures Another Person or Horse

If your horse injures another person or another animal, you are not automatically at fault. Some common reasons why you would be at fault are as follows:

  • If your horse has a habit of biting or kicking, you will want to make sure you warn everyone who encounters your animal. If you do not give proper warning, you can be charged since you did not make someone aware of your horse’s behavior.
  • If the person injured handles your horse in a way that is negligent. This also includes if the person handling your horse is negligent and they hurt someone else or another animal. For example, if you are riding your horse and not paying attention to where you are leading it, you can be at fault.
  • If you do not utilize regulation fences or door latches and your horse gets loose.

Homeowner’s Insurance Versus Equine Liability Insurance

Investing in liability releases is beneficial because it can deter people from suing and also provide you a legal defense. However, liability releases do not pay for your legal defense a cost which is why you will want to invest in insurance. A common misconception is that your homeowner’s insurance will be able to protect you for any instances in which your horse injures someone. This is wrong because most insurance policies for homeowners have a very small cap on medical payouts. Also, if you do not keep your horse on your home property, your animal will not count. In fact, some policies even exclude any livestock insurance. Investing in equine liability insurance will provide you substantial protection against any issues that might occur when owning a horse.

If you are interested in investing in equine and livestock insurance, trust the experts at Ark Agency! To receive a free quote, give us a call at (320)243-7250 or (800)328-8894, today.

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