Coverage Summary

Care, custody or control coverage provides liability protection for horses entrusted to you by their owners. It is an important coverage if you board, train or breed horses for others. In the event you are found negligent for the injury or death of a non-owned animal in your care, this policy will pay for the medical care and/or replacement of the horse up to the policy limits. Defense costs are also covered.

This coverage does not apply to horses that you own or lease. Your policy will cover up to the chosen policy limits for injury, theft or death of the horses in your care, custody or control. Policy limits are available up to $500,000 per horse and $1,000,000 maximum loss per policy year.

Incidental transit is automatically included in this coverage for up to a 100 mile radius from your facility. Additional transit coverage for the continental U.S. and Canada is available at a cost of $100. This policy is generally not subject to any deductible, and policy limits are written on a per-horse basis with an annual aggregate limit for all claims during the policy period. See our application for a profile of the limits available.  We generally recommend a “per-horse” limit equal to or greater than the value of the most expensive non-owned horse in your care.

Care custody or control does not protect you from bodily injury or property damage liability other than that which is described above. Horse-related businesses should also purchase a commercial equine liability policy.

  • Boarding
  • Training
  • Breeding
  • Riding Instruction
  • Clubs & Associations
  • Horse Shows
  • Clinics
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Coverage descriptions are for general information only. Please refer to actual policy wordings for a full explanation of coverages.