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What You Need to Know About Equestrian Program
Running a successful equestrian campground or horse hotel comes with unique risks. We focus on liability insurance for equestrian businesses, a growing outdoor hospitality industry. Exposures including equestrian camping, trail riding, equine, bed and breakfasts, and guest ranches are our focus.
Many homeowners and standard farm policies exclude commercial equine activities. Care, custody, and control coverage; trainer’s liability; horse show, equipment, and supplies; and special events coverage are important to consider when engaging in an equine-based business.
Commercial Equine General Liability
provides coverage for operations that may include horse breeding, boarding, training, and riding instructions. The policy can extend to cover day camps and other riding programs. Note: coverage is not available for certain types of equine business rough stock events.
Care, Custody, or Control Coverage
provides coverage for your legal liability for injury or even the death of a non-owned horse in your care, custody, or control. If your business is boarding or training horses for others, a variety of limits can be added to your commercial liability policy.
Horse Shows, Clinics, or Equestrian Events
coverage includes protection for the individual or organization running the event. Coverage is provided for negligence that causes bodily injury or property damage to a third party. The coverage period includes the actual show/clinic days and can include coverage for set-up and take down.
A few of the insurance programs we offer:
- Large Property Capacity
- Equine Liability Insurance
- Watercraft Liability
- Recreational Activities
- Excess Limits of Liability
- Multi-line Package Policies
Bringing the horse-friendly campgrounds the same benefits available to RV parks and standard parks is very rewarding. Packaging equine coverages for owners, providing safety programs, and really looking at the needs of each park as an individual is an important part of what we do.
Kim Ayers, a Leavitt Recreation insurance agent and life-long horsewoman, provides commercial insurance to RV parks, campgrounds, horse hotels, agritourism farms, equestrian facilities and events, and summer camps nationwide. Her home territory of Georgia, Alabama, Mississippi, and Arkansas see her on the road and trail along with her clients. She understands the equestrian industry and the importance of bringing the joys of camping and horses together.