Insurance Question

[gahorseygal]

Hello fellow equestrians! I am no longer teaching horseback riding lessons so I will not be renewing my insurance this February when my coverage lapses. HOWEVER:

I have been trailering some friends horses and was wondering if there is any insurance coverage for this and if it’s beneficial to look into getting this coverage.

I of course can chat with my insurance agent about this when I call to cancel, but figured a third party may be good to ask as well. I don’t want to be sold something I don’t really need or financially just doesn’t make sense. Thanks!

Oh - currently only trailered friends of mine and just asking gas money. BUT thinking about offering trailering locally for others to get some more use out of my trailer. In case this is relevant to your answer.

[Kimstar]

If you accept remuneration for trailering, legally then it would be a “commercial” use of your rig and the insurance rate is considerably higher. I’m not sure how the insurer would view the gas-payment-for-trailering situation though. In any event. you also require insurance coverage for injury to the horses you are transporting. Things get complicated quickly!

I would consult your agent immediately before continuing as you can invalidate any coverage you do have if the activity has not been declared to the insurer in the event of a loss.

[Jealoushe]

You absolutely need commercial insurance to haul horses for money. Depending on your location you may need special licensing and permits etc. Best to call your broker on that.