Family-Owned Insurance Agency | More Than 20 Years of Experience
Liability Coverage
Equine Liability Insurance
Hurlburt Insurance Inc. provides equine liability insurance across all states except Alaska and Hawaii. We also offer farm insurance for property and equipment protection. Call us for more information.
Preparing Equestrian Businesses for Financial Liability
Financially protect yourself against the possibility of an injured party suing you with our horse liability insurance. In addition, Hurlburt Insurance Inc. offers farm insurance to cover your property and farm-related equipment. We are accessible day or night to discuss further what type of liability policy you need.
Commercial Equine Liability
This coverage is crucial for individuals who perform any commercial equestrian activities, such as boarding, instruction, training, and breeding. If a third party who is injured or has property damaged sue you, then you need a commercial equine liability insurance. The policy covers defense costs and pays claims for which you are legally liable up to the policy limits.
Personal Horse Owner's Liability Coverage
The legal and insured owner of a horse is obligated to pay third parties for bodily injury or property damage directly caused by the owner's horse. Limits are available up to $1,000,000.
Equine Professional Liability Coverage
You receive coverage for claims and defense fees resulting from any negligent act, error, or omission arising from the insured's professional equestrian activities.
Care, Custody, and Control
Those who board, train, or breed horses for others should consider this policy. If one of these horses is injured or dies while in your care and you are found negligent, the medical care or replacement cost of the horse is covered up to the designated limits of the care, custody, and control coverage. Defense costs are also covered.
Club, Association, and Show Coverage - Independent Horse Shows and Events
Liability coverage is available for organizers of single horse shows or equestrian events. It includes the actual event days and days for both setup and takedown.
Riding Clubs and Associations
Groups wishing to protect themselves may obtain liability coverage with a club or association policy. The basic annual policy provides coverage for up to 7 event days, with additional days available. This helps protect your group if you are faced with a lawsuit by a third party. Claims for property damage and/or bodily injury are covered, including the cost of defense.