Required Equine Farm Insurance Coverage for Horse Farm Owners
- Feb 9
- 2 min read
Horse farm owners face unique risks that standard farm or property insurance often does not cover. From high-value horses and specialized facilities to liability exposure from riders, trainers, and visitors, equine operations require specific insurance coverage. Understanding the required equine farm insurance policies helps protect both your assets and your business.
Property insurance is the foundation of equine farm coverage. This policy protects physical structures such as barns, stables, indoor arenas, fencing, tack rooms, and feed storage buildings. Coverage should reflect replacement costs rather than market value, especially for custom-built equestrian facilities.
Horse farm owners should also ensure equipment like tractors, grooming tools, jumps, and riding equipment are included or scheduled separately if needed. Organizations such as the American Horse Council offer guidance on equine facility safety and risk management.
Liability insurance is one of the most critical coverages for horse farms. Horses are inherently unpredictable, and injuries to riders, students, boarders, or visitors can lead to costly lawsuits. Equine liability insurance typically covers bodily injury, property damage, and legal defense costs.
Farms that offer riding lessons, training, boarding, camps, or clinics often require higher liability limits due to increased public exposure. Many states also recognize equine activity liability laws, but these laws do not replace proper insurance coverage.
If you board, train, or transport horses owned by others, care, custody, and control coverage is essential. This policy protects against financial loss if a non-owned horse is injured, becomes ill, or dies while under your supervision. Without this coverage, horse farm owners may be personally responsible for significant veterinary or replacement costs.
Equine mortality insurance covers the death of insured horses due to illness, injury, or accident. Major medical or surgical coverage can help offset expensive veterinary bills. Horse values should be reviewed regularly to ensure accurate coverage, especially for breeding, competition, or performance horses.
Workers’ Compensation and Farm Umbrella Coverage
If you employ farmhands, trainers, or stable staff, workers’ compensation insurance is often legally required. An umbrella policy can provide additional liability protection beyond standard limits, offering added security for high-risk equine operations.
Get the Right Coverage with Wexford Insurance
Choosing the right equine farm insurance requires working with professionals who understand the horse industry. Wexford Insurance specializes in equine and agricultural insurance, offering customized solutions that protect horses, facilities, employees, and liability exposures.
👉 Request your equine farm insurance quote from Wexford Insurance today and ensure your operation is fully protected.
