The Equine Commercial Liability policy from Berkley Equine & Cattle (StarNet Insurance Company) will cover you if you become legally obligated to pay for a third party loss due to bodily injury or property damage arising out of your equine operations.  Liability limits are available up to $2,000,000 and coverage includes both Medical Payments and Fire Legal Liability.  If your equine operation requires higher limits, an umbrella policy is available through StarNet Insurance Company.

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.

The Equine Commercial Liability Coverage is available as a stand alone policy and for an additional premium, tack and other miscellaneous equipment can be included under the same policy.  You do not need to own the farm or stable to be eligible for this insurance.

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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.