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Care, Custody or Control Liability Policy

    Coverage Summary

    Care, custody or control coverage provides liability protection for horses entrusted to you by their owners. It is an important coverage if you board, train or breed horses for others. In the event you are found negligent for the injury or death of a nonowned animal in your care, this policy will pay for the medical care and/or replacement of the horse up to the policy limits. Defense costs are also covered.

    Incidental transit is automatically included in this coverage for up to a 100 mile radius from your facility. Additional transit coverage for the continental U.S. and Canada is available at a cost of $100. This policy is generally not subject to any deductible, and policy limits are written on a per-horse basis with an annual aggregate limit for all claims during the polciy period. See our application for a profile of the limits available.  We generally recommend a "per-horse" limit equal to or greater than the value of the most expensive non-owned horse in your care.

    Care custody or control does not protect you from bodily injury or property damage liability other than that which is described above. Horse-related businesses should also purchase a commercial equine liability policy.

    Eligible Risks for Care, Custody and Control include

    • Boarding
    • Training
    • Breeding
    • Riding Instruction
    • Clubs & Associations
    • Horse Shows
    • Clinics
    • COVERAGE IS NOT AVAILABLE FOR COMMERCIAL LIVESTOCK HAULERS

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    Coverage descriptions are for general information only. Please refer to actual policy wordings for a full explanation of coverages.