Insurance coverage can protect you and your business from the financial loss associated with risk as a horse owner or operator. There are many different types of insurance to consider when looking to protect your assets - that’s why we’re here to help you choose from our flexible options to customize your protection against risk as a horse owner or operator.


We concentrate on providing insurance solutions for the following Equine Liability exposures on a monoline or package policy:

Private Horse Owner (PHO)

This is an individual that owns a horse(s) for personal use or show use only.

Activities outside of personal use are a commercial use and should be referred to the Equine Operations Liability.

Equine Operations Liability (EOL) - Preferred

  • Private Horse Owners
  • Boarding, Breeding, Racing or Training Operations
  • Riding Instruction
  • Trainers
  • Farriers
  • Hobby Farm with Horses

Equine Operations Liability (EOL) - Undesirable

  • Public Trail Rides
  • Agritainment
  • Rescue Operations
  • Non-Certified Therapeutic Operations


Equine Liability coverage options:

  • Private Horse Owner (PHO)
  • Race Horse Owner (RHO)
  • Equine Farm Liability
  • Personal Liability
  • Recreational Vehicle Liability
  • Farrier Liability
  • Equine Day Camps
  • Clinics
  • Worldwide Coverage Territory
  • Care, Custody or Control


Our Equine Liability products are available in all states except Alaska, Hawaii and Montana (pending).

View product descriptions on our country websites

Key Contacts

Javier Guardia headshot

Javier Guardia

Head of Western Region Claims

Heads of Department

Julian Bowen-Rees - website

Julian Bowen-Rees

Global Head of Equine and Livestock