Liability associated having a friend and her horse board at my proprty

[Plumcreek]

[QUOTE=IronwoodFarm;n9794443]

I carry Commercial General Liability coverage for the boarding, breeding, sales and lesson business. I use a specialty equine carrier for it.QUOTE]

Now there is a wrinkle I had not considered. I already have Commercial GL,$1M/2M as it is required by any public projects for my design and consulting business, travel and In case my rent car rolls into a building, or something. Probably Hartford would cancel if actual equine risks were added.

No return phone call from the Farm Bureau or Farm Family agents, sigh. State Farm is a good insurance company.

[TheJenners]

STILL no return call? Wow. Maybe try an agent from a non-local office?

[IronwoodFarm]

Plumcreek, I have no idea if Hartford would cancel if you inquired about equine liability, but I doubt it. Among other things, it would be an practice prohibited by state insurance law. Insured can ask, but asking about an exposure alone does not result in a policy being cancelled under most circumstances. My guess is your Hartford policy excludes horse related risks and you can check this by reading the Exclusions and Limitations sections of the policy.

There is absolutely no issue about having multiple CGL policies. Typically this situation happens when there are different risks being covered, but you could have several policies for the same risk. The important thing to understand in the latter case is that the insurance carriers are going to coordinate with each other on a claim in most circumstances.