Liability Insurance as a Boarder

[TWH_Girl]

[QUOTE=crimsonsky;8196328]
that’s what i thought too. i asked for specifics as to why the policy would cost me so much and my agent solely responded with “call me to discuss”. rolls eyes i think i’ll be going with another insurance agency for the horses specifically.[/QUOTE]

Try Markel Insurance (link posted in my prior post). You can deal directly with them vs going through agent. For up to 4 horses, liability policies are:

$230 for limits of $300k per occurrence/ $900k aggregate
$250 for $500k/$1.5M
$295 for $1M/$3M

[crimsonsky]

[QUOTE=LarkspurCO;8195961]
That’s too much.

Why would you pay $350 for a $1 million liability policy that you could get for $80 (USEF membership + $25 for the policy underwritten by Lloyd’s of London)?[/QUOTE]

that’s what i thought too. i asked for specifics as to why the policy would cost me so much and my agent solely responded with “call me to discuss”. rolls eyes i think i’ll be going with another insurance agency for the horses specifically.

[crimsonsky]

i think i figured out where the $600 quote came from - i told my agent a friend of mine rides my horses sometimes. i bet he quoted it more as a commercial policy than a private horse owner policy. sigh

thanks so much for the markel link!

[newhorsemommy]

I use Cheval for my horse owner’s liability insurance. My homeowner’s insurance used to cover them, and then stopped that coverage (without notifying anyone, I found out by accident, although I cant remember how). Prices range from $100 to $300 per year for up to 5 horses (I think) depending on the amount of coverage.

[Pookah]

I would try Markel - they have a great policy for this, and I forget the exact cost for a single horse, but it was very inexpensive and well worth the peace of mind in my opinion. I haven’t seen it as a common requirement in boarding barns, but I suspect that’s more because of a lack of understanding than people not thinking it’s needed.

[finneas]

My barn also requires it. I’ve boarded there for about a year and a half now and it’s the first barn that has required it. I found USEF membership was the cheapest and easiest to get option.

[besttwtbever]

[QUOTE=LarkspurCO;8193498]
Yes, that started in 2015. The cost is $25 for a $1 million liability policy.[/QUOTE]

I bought a 3 year membership back in 2012 (should take me through 2015), does anyone know if I still have the liability coverage? If not, I can call USEF. That’s the whole reason I bought the membership as I don’t show anymore.