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Sara teaching a horseback riding (gymkhana) lesson at Sundance Hills

Equine Liability

Breeding? Boarding? Training? Teaching?

Equine liability is a serious matter, and you're smart to consider it! 

We also cover independent events, and offer annual policies for riding clubs & associations and their public event days

 Designed to Protect Amateurs
and Professionals

Personal and commercial coverage provides for legal liability to third parties for bodily injury or property damage arising out of any covered equestrian exposures.

Also provides for defense costs and related expenses.

Choose from these occurrence limits:    

$300,000;  $500,000; and $1,000,000

Double and Triple Aggregate limits also available

Excess limits available from $1M to $5M over commercial liability policies

Available Policies and Coverages

REO Insurance Agency offers 8 kinds of Equine Liability Coverage. 
Keep scrolling to view all, or simply click a button for quicker access. 

Equine Personal Liability

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 an Equine Commercial General Liability (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.

Image by Jeff Griffith

Race Horse Owners & Trainers Commercial General Liability

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 protects 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 & 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 commercial,  purposes.

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