In a sport where trust is everything, let XINSURANCE prove to be the most reliable teammate you and your horse can have.
Step beyond the ordinary and secure insurance that dares to cover what others don’t, acknowledging the true risks and joys of equestrian life.
What is Equestrian Insurance?
Equestrian insurance is a specialty liability insurance solution that caters to the unique risks associated with horse-related activities and businesses, including training, instructing, and facility management. The world of equestrianism is as unpredictable as it is rewarding, making liability insurance not just a safety net but a crucial asset for you or your business.
Investing in proper liability protection underscores a commitment to professionalism and foresight in your equestrian venture. It demonstrates to your clients and peers that you value safety and responsibility, enhancing your credibility and trust within the community. With liability insurance, you’re not just protecting your business but also the well-being of the animals under your care and the clients who trust you with their equestrian aspirations. At XINSURANCE, we understand the complexities of your daily operations. We are here to offer the confidence and peace of mind that comes with knowing you’re well-covered in any eventuality.
Who Should Have Equestrian Insurance
- Horse Trainers
- Riding Instructors
- Equestrian Facility Owners
- Horseback Riding Businesses
- Horse Show Organizers
- Equestrian Clubs
- Horse Breeders
- Equine Therapists
- Pony Ride Operators
- And More!
Equestrian Insurance Coverage Options
Commercial General Liability
Provides coverage for injuries and property damage sustained by third parties.
Care, Custody, and Control (CCC)
Do you have animals under your care that you don’t own? This form of equestrian liability insurance protects you if a non-owned horse suffers an injury or illness that the owner believes is caused by your negligence. You cannot purchase CCC as a stand-alone policy — you must add the coverage to a general liability policy.
Professional Liability
Coverage for claims regarding negligent acts and more. Learn more.
Property Coverage
Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.
Special Events Liability
Covers bodily injury to a guest and property damage to the venue (such as the building or its equipment) for private and public events. Learn more.
Personal Liability
Personal liability protection in the event of an accident and a claim is made against you. Learn more.
Commercial Auto*
Provides auto liability coverage for your company-owned or personally-owned vehicle primarily used for business purposes. Learn more.
*Available in most states
Active Shooter Liability
Liability protection in the event of an active shooting taking place on company property. Learn more.
Alleged Assault and Battery Liability
Coverage for claims against you regarding assault and/or battery.
Alleged Sexual Abuse and Molestation Liability
Coverage for claims against you regarding sexual abuse and/or molestation.
Animal Liability
Provides coverage for third-party bodily injury and property damage caused by an animal that you own. Learn more.
Communicable Disease Liability
This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19. Learn more.
Directors and Officers (D&O) Liability
Protects people from personal losses if they are sued as a result of serving as a director or an officer of an organization. Learn more.
Firearms Liability*
Coverage for concealed carry, accidental discharge, and more, for both personal and commercial use. Learn more.
*Available in most states
Liquor Liability
Coverage for businesses that provide the sale, service, or furnish of alcohol. Learn more.
Premises Liability
Protects against claims for slips, trips, and falls on the property due to negligence.
TRU Umbrella
Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.
How To Get A Quote
Request Your Quote
Click the button below to get started on your quote
Specify Your Needs
We’ll schedule a call with you to consult on your needs, and collect more details
Get Your Custom Quote
We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy
FAQs About Equestrian Insurance
Are riding students covered under equestrian insurance?
Our insurance solutions can be tailored to include coverage for students and participants, but you need to make sure you address this with us.
Does equestrian insurance cover off-premises activities?
It can, but ensure your policy specifies this if you travel for shows, events, or other activities.
Is equestrian insurance required by law?
It’s not typically required by law, but it can be crucial for protecting against financial losses due to lawsuits or claims. You should check your local and state laws to see if liability insurance is required.
Why should I have equestrian liability insurance?
You need equestrian liability insurance to help protect you when things go wrong. In life, you will learn how good your insurance partner is when what can happen does happen. XINSURANCE stands by your side when an accident, incident, claim, or lawsuit occurs. Having liability insurance can protect you from significant financial loss and sometimes can be the difference between staying in business or closing your doors.
Can I be insured if I've been dropped or rejected by an insurance company?
Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.
What is the cost of equestrian insurance?
Several factors can affect the cost, including the size of the operation, the number of horses, the types of activities conducted, the coverages selected, the claims history, and more. It is best to contact XINSURANCE and tell us more about your insurance needs so we can provide a personalized quote.
Equestrian Liability Insurance
We provide customized insurance solutions for everything equestrian – trainers, instructors, shows, etc. – and we have you covered!
Get a quote for equestrian liability insurance today!
What our clients say
Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.
THIS IS INSURANCE I CAN TRUST TO PROTECT ME!
– Dave H.
They are amazing and always there to help you if you have any questions or concerns.
– Arlene A.
XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.
– Leslie A.
Your Trusted Team for Tackling the Unexpected
Fighting for You Is What We Do Best
At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.
Unique Requirements Are Our Specialty
XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.
Built-For-You Flexibility & Dedicated Support
The XINSURANCE approach to coverage is anything but “one size fits all.” Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.
More of Your Coverage - All in One Place
Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.
What You Can Expect From Our Team
Insurance solutions tailored to your needs
Expansive coverage options
Expert support when facing frivolous charges
Dedicated support & service
Dude Ranches
We offer customized liability insurance solutions for dude ranches and the experiences they offer, such as horseback riding, rafting, hiking, shooting sports, and more.
Small Businesses
We can provide customized liability insurance solutions tailored to your business’s unique needs. Even if another insurance company has declined, canceled, or non-renewed your business, we can still help you!
TRU Umbrella
TRU Umbrella coverage is customized to fit your unique needs by filling the gaps and covering the exclusions in your primary policy for work, home, and play.
