Horse Carriage Insurance

Specialty insurance solutions tailored to your unique needs.
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With XINSURANCE, you can operate your horse carriage ride with true peace of mind.

We provide customized liability insurance solutions that encompass every aspect of your horse carriage business, from operations to property damage.

The Importance of Horse Carriage Insurance

Horse carriage liability insurance is crucial for operators in safeguarding against the inherent risks accompanying their quaint form of transportation. As you offer rides through scenic routes or provide carriage services for goods, remember that the unpredictable nature of horses and the possibility of driver errors or other environmental factors can quickly escalate into liability claims.

Settling for cheap insurance alternatives can prove costly when you find that they inadequately protect you from the financial consequences of legal action. That’s why it’s imperative to secure a robust horse carriage insurance policy—so you can conduct your business with peace of mind, knowing you’re well-protected. Let XINSURANCE be your insurance partner, our approach ensures you’re equipped to navigate the complexities of liability and litigation, without undermining the charm and vitality of your carriage service.

Horse Carriage Insurance: Who Needs It

  • Horse Carriage Businesses
  • Carriage Ride Operators
  • Horse Farm Owners
  • Transportation Services
  • Special Event Service Providers
  • And More!
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Horse Carriage Insurance Coverage Options

Commercial General Liability

Provides coverage for injuries and property damage sustained by third parties.

Professional Liability

Coverage for claims regarding negligent acts and more. Learn more.

Physical Damage

Provides protection against damage to the insured carriage(s). This coverage can include collision coverage, which pays for damages caused by collisions with other vehicles or objects.

Animal Liability

Provides coverage for third-party bodily injury and property damage caused by your horse(s). 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.

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

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.

Inland Marine

Can provide physical damage protection for applicable equipment while it is being rented, stored, or transported. It can provide financial assistance in case of accidents, malfunctions, and limited theft coverage.

Personal Liability

Personal liability protection in the event of an accident and a claim is made against you. Learn more.

Property Coverage

Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.

TRU Umbrella

Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.

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How To Get A Quote

Request Your Quote

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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

FAQ About Horse Carriage Insurance

What is horse carriage liability insurance?

Horse carriage liability insurance can provide coverage for legal liabilities arising from accidents or injuries caused by horse carriage operations. This includes damages or injuries to third parties or their property.

Does the insurance cover carriage damage?

Standard liability insurance focuses on damages or injuries to third parties. Some insurance policies do not include coverage for the carriage, thus, damage to your own carriage typically requires separate property insurance or a specific clause included in your policy. However, XINSURANCE makes it easy by offering all-in-one insurance solutions that covers your operations, physical damage to your carriage, and other liabilities and coverages under one policy.

Can I get insurance for special events only?

At XINSURANCE, yes, we can offer short-term insurance solutions or event-specific coverage for horse carriage businesses operating at weddings, parades, and other special events.

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.

How much does horse carriage business insurance cost?

The cost of horse carriage business insurance varies depending on several factors, including your location, the size of your operation, the number and type of carriages, the events you cover, your claims history, and more. Please contact us and tell us about your insurance needs and we can provide a personalized quote.

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Why Do You Need Horse Carriage Insurance?

As a horse carriage business owner, it’s critical to have horse carriage insurance to protect against possible accidents and the financial liabilities they bring. Additionally, it’s often a legal requirement to carry such insurance to operate on public streets. This coverage is not only vital for your financial protection, but it also ensures you abide by the law while operating your business. With the right insurance, like the coverage offered by XINSURANCE, you can focus on your work with the assurance that you are fully protected and compliant.

What our clients say

Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.

– 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