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Equine Liability

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. 



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 

commercial, purposes.



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