R.E.O.'s personal and commercial equine liability policies are designed to protect equestrian amateurs and professionals and their breeding, boarding, horse sales, training, and instructing activities.
R.E.O. also offers policies to cover independent equine events and annual policies for equine clubs and associations and their public event days.
Coverage provides for legal liability to third parties for bodily injury or property damage arising out of any covered equestrian exposures, and also provides for defense costs and related expenses.
The following occurrence limits are available:
•$300,000; $500,000; and $1,000,000.
•Double and Triple Aggregate limits are also available.
•Excess limits are available from $1 million to $5 million over commercial liability policies.
TYPES OF POLICIES AND COVERAGES AVAILABLE
Equine Personal Liability (EPL)
Available to a horse owner or the lessee of a horse, this coverage is
designed to provide coverage for bodily injury or property damage to third
parties caused by personally owned or personally leased horses when used
for personal or pleasure purposes. Coverage can be written as an
individual policy or can be added to a CGL policy.
Equine Commercial General Liability (CGL)
Available to professionals who are breeding, boarding, training,
instructing, and/or operating any eligible equine facility, this policy
provides coverage for bodily injury or property damage to third parties
arising from declared commercial equestrian activities. The policy can be
extended to provide on premises coverage for independent trainers or instructors.
Race Horse Owner's and Trainer's Equine Commercial General Liability (RHO&T CGL)
This policy is designed for race horse owners, race horse trainers, and
race horse owners or trainers who have related activities such as breeding
or sales. Race Horse Owner's Equine Personal Liability Coverage is also
available as an addition to the standard Equine CGL policy.
Care, Custody, or Control (CCC)
CCC coverage is to protect an insured in the event the insured or an
employee of the insured are found legally liable for the death, injury, or
theft of a horse in their Care, Custody, or Control. Incidental transit
coverage within the continental U.S. and Canada is included in CCC
coverage. CCC coverage limits are on a per horse/per year basis. Coverage
can be written as an individual policy or coverage can be added to a CGL policy.
Equine Professional Liability Coverage
Available as an addition to a CGL policy, Equine Professional Liability
provides coverage for damages arising from legal liability resulting from
any negligent act, error, or omission arising out of the insured's
professional equine activities.
Equine Event CGL Policy
Liability coverage is available for individual horse shows, clinics, or
equestrian events. Coverage is provided for the actual event days declared
and includes days for both setup and takedown.
Equine Clubs and Associations CGL Policy
This policy is designed to provide liability coverage for equine member
organizations and their public event days. Public event days are those
activities in which non-members participate, or to which the general
public is invited.
Comprehensive Personal Liability (CPL)
Comprehensive Personal Liability is only available in conjunction with a
property policy that insures an owner-occupied primary residence. CPL
coverage may then be added to a CGL policy or purchased as an individual
policy. CPL covers general non-equine liability exposure for personal, not