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For businesses and individuals

A career as a horse trainer or riding instructor can be ideal for anyone who loves working with these magnificent creatures. It also poses some risks for trainers and instructors, as well as the participants and even the animals. A “spooked” horse may behave erratically, potentially harming itself, a rider or people nearby.

If you earn a living working with horses, it’s essential to protect your financial interests should an incident occur. A fall by a rider or an injury to a horse while under your care could lead to a lawsuit that wipes out your assets and forces you to leave the business you love. Carrying adequate liability insurance coverage will reduce your risk of a significant loss and give you peace of mind.

While horse trainer and riding instructor insurance is available, few insurers offer it because of the increased exposure. If you’re having trouble finding liability coverage for your equestrian business, XINSURANCE can provide a solution.

equestrian insurance
equestrian insurance


XINSURANCE Offers Riding Instructor and Horse Trainer Insurance Solutions

At XINSURANCE, we help with the most challenging risks that other providers tend to avoid. We’ll partner with you to help you obtain all-in-one liability insurance for your equestrian business that will protect your assets if an incident or accident occurs. If you’ve been denied coverage or canceled or non-renewed by your carrier, we’re ready to fill the void. We can also cover any gaps or exclusions in your current plan that are leaving you vulnerable.

What Can Equestrian Insurance Cover?

The available types of liability insurance for riding instructors and trainers include:

  • Commercial general liability: If you charge a fee for equestrian-related services such as training or breeding horses or giving riding lessons, a GL policy will provide essential third-party liability protection. This insurance will protect you if an injury or property damage that occurs while you’re providing services leads to a lawsuit against you. It covers settlements or judgments resulting from the suit, as well as an injured party’s medical expenses. You’ll have coverage at your facility as well as on someone else’s property if you engage in training activities off-site.
  • Care, custody, and control: 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
  • Riding club insurance
  • Directors and officers liability
  • Horse shows, clinics, or equestrian events
  • Private horse owners liability

Please note that XINSURANCE does not offer workers’ compensation insurance plans to owners of horse training or riding instructor services.

Equestrian Insurance Coverage Examples

Your training or horse riding insurance should protect you in the following situations:

During a riding lesson, a student falls off a horse and suffers a severe back injury. The injured party then sues you, claiming your faulty instructions contributed to the accident. Your general liability insurance will cover any judgments or settlements resulting from the suit, as well as your legal expenses.

A horse you are boarding escapes from your barn and runs into the road where it is struck and killed by a passing vehicle. The horse’s owner claims that the incident occurred because you failed to secure the corral gate. Your care, custody and control coverage will apply in this scenario.

Why Partner With XINSURANCE?

At XINSURANCE, we understand the unique protection needs of horse trainers and riding instructors. We believe that no individual or business owner should have to live with the fear of being uninsured or underinsured. We can provide a customized liability insurance solution that addresses your most significant risks, while also offering the limits, coverages, and premiums that work for you and your business.

We offer all-in-one insurance plans that enable you to cover all your liability exposures under one policy. Without having to worry about gaps, exclusions, or limitations that could leave you vulnerable, you’ll enjoy true peace of mind.

As a full-service insurance partner, we deliver exceptional claims service when the need arises. We respond quickly — we’re available 24/7 to take your call — and we’ll start the settlement process without delay.

Our Application Process Saves Time and Hassles

We offer a streamlined application process that ensures a fast response. Start by filling out and submitting our online app for immediate consideration. Our underwriting team will review the information and schedule a phone call with you to discuss the details. After the call, we’ll provide a no-obligation quote for your approval. If you’re ready to move forward, your policy will be issued once you agree to the terms and pay the initial premium.

Please contact us to get your free equestrian insurance quote today. If you already have a policy, we’ll be happy to review it and point out any gaps in your coverage.

With XINSURANCE, you can purchase customized liability insurance coverage that will protect you in all the areas that your homeowners, employers, and business insurance policies won’t or can’t. Our underwriting team brings you over 40 years of experience, along with the ability to offer customized limits, coverage, deductibles, and premiums to create the perfect plan for your personal protection.

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