Coverage H — Farm Liability Coverage – Bodily Injury & Property Damage Liability coverage is provided for the sums that the insured becomes legally obligated to pay (up to the policy limit) as damages because of bodily injury or property damage to which the insurance applies. Limits of liability are selected on an occurrence basis. The aggregate limit of liability is 2x the occurrence limit, subject to a maximum of $2,000,000 aggregate limit.
Below are a few scenarios where you could become Legally Obligated to pay for bodily injury and/or property damage to a third party:
A boarded horse escapes from your farm and is struck by a vehicle causing injury or death to the occupants and damage to the vehicle.
A student you are instructing is thrown off one of your Lesson Horses and is injured.
A spectator at your Horse Clinic is kicked and hurt by Your Horse while you are walking the Horse to the arena.
You may have to pay through your own means a loss resulting from one of the above scenario or one of the many other scenarios that occur through your equine operations without StarNet Insurance Company’s Equine Commercial Liability Coverage. The Equine Commercial Liability policy pays all sums to which the insurance applies up to the policy limits. Legal costs and expenses could also be an additional burden. The Equine Commercial Liability Coverage may pay legal costs to defend any suit against you in addition to the policy limits.
This material does not amend, or otherwise affect, the provisions or coverage of any insurance policy issued by StarNet Insurance Company. It is not a representation that coverage does or does not exist for any particular claim or loss under any such policy. Coverage depends on the facts and circumstances involved in the claim or loss, all applicable policy provisions, and any applicable law. Availability of coverage referenced in this document can depend on underwriting qualifications and state regulations.