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Liability Insurance for Horse Carriage Operations & Services

Liability Insurance for Horse Carriage Operations & Services

Today, we’re looking at liability insurance for horse carriage operations and services. If you’ve tried it before, you know that taking a ride in a horse-drawn carriage is a ride like no other. If you’re in the city, you can take in amazing views all while riding in 14th century style with your significant other, friends, or family. The old school methods of transportation and the ‘clip-clop, clip-clop’ sound of the horse’s hoofs really make the experience one you haven’t had before. As a carriage owner or operator, you care about your customers. You also care about your business so make sure you invest in horse carriage insurance.

Common Causes of Accidents

  1. Horses
  2. Driver Error
  3. Environmental Factors

Horses – Horses are sensitive animals. Although horse carriages are generally safe, you can never predict a horse’s actions. You typically find horse carriages in the city where there are a lot of people and a lot of vehicles. Some people may want to go up to the horse and pet it but if they catch the horse by surprise the horse might retaliate. Next thing you know, you have a lawsuit on your hands because your horse attacked a third party. A passing car or taxi might drive by and honk at the carriage operator due to driving slowly or the honk could even be a way of saying hello but a sudden loud nice might frighten the horse – causing it to run or jerk in a certain direction or crash the carriage, possibly hurting other people or damaging one’s property.

Driver Error – It’s not always the horses fault. The driver/operator could be new to operating a horse carriage or simply misjudged something on the road. Whatever the case may be, people make mistakes and errors all the time…a carriage operator is no different.

Environmental Factors – Weather, pedestrians, vehicles, road conditions, etc. all play into effect. These factors can be unpredictable and not so friendly at times. You need to be careful when/where you operate your business!

Coverages Available for Horse Carriage Insurance

XINSURANCE provides specialty customized insurance solutions through an all-in-one approach to fit your needs. We can offer solutions for an annual policy or a special event. We can provide commercial general liability, personal liability, professional liability, premises liability, and more.


XINSURANCE is powered by Evolution Insurance Brokers, LC, an excess and surplus brokerage. We provide specialty customized coverage for businesses and individuals. Our underwriting team brings you over 30 years of experience, along with the ability to offer customized limits, coverage, deductibles, and premiums to create the perfect plan for your protection.  If you’ve been denied, non-renewed, or canceled coverage, we can help. We take on risks others simply can or will not.

If you need help, have questions, or want us to review your current policy, contact us at 877-585-2853 or

Contact us and get a horse carriage insurance quote today!

Rick LindseyAuthored by Rick J. Lindsey, President, Chairman, and CEO of XINSURANCE Rick J. Lindsey hails from Salt Lake City, Utah. He began working in the mailroom of his father’s Salt Lake City insurance firm, getting his introduction to the business that became his lifelong career. Rick J. Lindsey quickly rose through the ranks while working in nearly every imaginable insurance industry job. As an entrepreneur, specialty lines underwriter, claims specialist, risk manager, and a licensed surplus lines broker, Rick J. Lindsey is highly skilled in all levels of leadership and execution. As he progressed on his career path, Rick J. Lindsey discovered an urgent need for insurers willing to write policies for high-risk individuals and businesses. He was frequently frustrated that he could not provide the liability protection these entities desperately needed to safeguard their assets. He also formed the belief that insurance companies acted too quickly to settle frivolous claims. Rick J. Lindsey decided to try a different approach. He started an insurance company and became the newly formed entity’s CEO. This opportunity has enabled Rick J. Lindsey to fill a void in the market and provide a valuable service to businesses, individuals, and insurance agents who write high-risk business. XINSURANCE also specializes in helping individuals and businesses who live a lifestyle or participate in activities that make them difficult for traditional carriers to insure. If you’ve been denied, non-renewed, or canceled coverage, don’t give up quite yet. Chances are XINSURANCE can help.