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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


  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

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 coverage
through an all-in-one approach to fit your needs. We can offer terms for an
annual policy or a special event. We can provide commercial generally
liability, personal liability, professional liability, premises liability, and



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!