Insuranks
Insuranks

Farrier Insurance: Cost & Quotes From $35/mo

Table of contents
1. General Liability Insurance for Farriers 1.1. Coverage Limits of General Liability Insurance for Farriers1.2. Are There Any Exclusions to Your General Liability Insurance?1.3. What Are the Common Incidents Covered by Your Farrier General Liability Insurance?2. Professional Liability Insurance for Farriers2.1. Coverage Limits of Professional Liability Insurance for Farriers2.2. Can Your Professional Liability Insurance Cover Mistakes You Did in the Past?2.3. Do You Have to Pay a Deductible for Your Professional Liability Insurance?3. Commercial Property Insurance for Farriers 3.1. Add-Ons to Commercial Property Insurance for Farriers3.2. Coverage Limits of Commercial Property Insurance for Farriers3.3. Can You Combine Your Commercial Property Insurance with Other Policies?3.4. Is Your Personal Property Covered under Commercial Property Insurance?4. Business Owner’s Policy for Farriers 4.1. Coverage Limits of Business Owner’s Policy for Farriers4.2. Is BOP Enough Coverage Policy for Your Farrier Business?4.3. Can You Adjust Your Coverage Limits on a BOP?5. Tools and Equipment Insurance for Farriers 5.1. Add-ons to Tools and Equipment Insurance for Farriers5.2. Coverage Limits of Tools and Equipment Insurance for Farriers5.3. Does the Law Require Tools and Equipment Insurance?5.4. Can You Purchase Tools and Equipment Insurance as a Standalone Policy?6. Commercial Auto Insurance for Farriers6.1. Add-Ons to Commercial Auto Insurance for Farriers6.2. Coverage Limits of Commercial Auto Insurance for Farriers6.3. Does the Law Require Commercial Auto Insurance?6.4. Workers Compensation Insurance for Farriers 6.5. Add-Ons to Workers Compensation Insurance for Farriers6.6. Coverage Limits of Workers Compensation Insurance for Farriers6.7. What if Your Employee is Injured Outside Your Business Premises?7. Farrier Insurance Cost8. Best Farrier Insurance Companies8.1. NEXT Farrier Insurance 8.1.1. Pros8.1.2. Cons8.2. CoverWallet Farrier Insurance 8.2.1. Pros8.2.2. Cons8.3. The Hartford Farrier Insurance 8.3.1. Pros8.3.2. Cons8.4. Tivly Farrier Insurance 8.4.1. Pros8.4.2. Cons8.5. Thimble Farrier Insurance 8.5.1. Pros8.5.2. Cons8.6. Hiscox Farrier Insurance 8.6.1. Pros8.6.2. Cons8.7. Markel Farrier Insurance 8.7.1. Pros8.7.2. Cons

As a farrier, your main job is to trim horses' hooves and customize their shoes. This is an exciting job adventure, especially for horse enthusiasts. However, remember, horses are unpredictable and may illustrate some chaotic behavior. In such unfortunate circumstances, the animal can injure people on your business premises or lead to property damage. Remember, you are responsible for the horses in your custody or care and must pay for all damages. To be on the safe hand, ensure you have farrier insurance.

General Liability Insurance for Farriers 


CoverWallet NEXT (Best)Thimble HiscoxThe Hartford
Per occurrence limit $1,000,000$1,000,000$1,000,000/$2,000,000$300,000/$1,000,000$1,000,000/$2,000,000
Aggregate limit $2,000,000$1,000,000/$2,000,000$1,000,000/$2,000,000$300,000/$2,000,000$1,000,000/$2,000,000
Products and completed operations aggregate limit $2,000,000
$1,000,000$1,000,000$1,000,000$1,000,000
Advertising injury coverage aggregate limit $1,000,000$1,000,000$1,000,000$1,000,000$1,000,000
Tenant’s legal liability coverage limit $100,000
$100,000$5,000$100,000$1,000,000
Waiver of subrogation included?YesNoIncludedCan be includedNo
Hired/non-owned auto liability coverage included?YesNoExcludedCan be includedCan be included
Equipment breakdown floater included?No YesYesCan be includedCan be included


When making shoes for horses or trimming their hooves, accidents may occur. The horse may cause bodily injury or property damage. The insurance policy will compensate you for the damages caused. This farrier liability insurance covers the following:

  • Property damage–The horses under your care can destroy property. This insurance covers all the repair, rebuilding, or replacement costs

  • Bodily injury–A horse can kick or bite a client. The general liability insurance will cover medical costs and other damages

  • Advertising injury–Your business can be sued for conducting illegal advertising activities. For example, you may accidentally use copyrighted material to promote your business. This policy will cover the legal and settlement costs

  • Product liability–A customer can claim that you sold them products that may cause harm to their horse. The policy will protect you from legal claims


Coverage Limits of General Liability Insurance for Farriers

The coverage limit of general liability insurance for farriers is $1 million to $2 million for each incident. This limit will cover damages related to your business.


Are There Any Exclusions to Your General Liability Insurance?

Yes, insurance providers have specific limitations on their policies. Some will not compensate for intentional or criminal activities. You need to check your policy terms for more information.


What Are the Common Incidents Covered by Your Farrier General Liability Insurance?

Insurers cover incidents that occur during the policy period. But you can purchase retroactive coverage covering any incident that occurred before you purchased the policy.


Professional Liability Insurance for Farriers

Errors and omissions may occur when you are offering your farrier services. This policy will protect your business from crippling financially due to such claims. Remember, even experienced farriers can accidentally make errors and omissions, which may result in injury or damage to the horse or owner. Professional liability insurance offers coverage for claims such as:

  • Negligence

  • Breach of contract

  • Failure to diagnose and manage a condition

  •  Injuries caused by your work


Coverage Limits of Professional Liability Insurance for Farriers

The professional liability insurance limit for farriers is $ 100,000 to $2 million. Ensure you check your policy for the best coverage for your farrier business.


Can Your Professional Liability Insurance Cover Mistakes You Did in the Past?

Your provider can issue you a retroactive date. This is the earliest time your policy will cover your errors or omissions. For incidents that happened beyond the retro date, they are not covered in your policy.


Do You Have to Pay a Deductible for Your Professional Liability Insurance?

Yes, most professional liability policies have a deductible. You must pay a certain amount of money before the coverage kicks in.

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Commercial Property Insurance for Farriers 


CoverWalletNEXT (Best)ThimbleThe HartfordHiscox
Building coverage limit (minimum)$50,000$340,000$25,000/$500,000$35,000$25,000
Contents coverage limit (minimum)$50,000$35,000$25,000/$500,000$35,000$15,000
Outdoor signsExcluded$2,500ExcludedExcludedIncluded
Accounts receivable ExcludedExcluded$5,000/$10,000ExcludedIncluded
Money and securitiesExcluded$2,500$1,000ExcludedIncluded
Lock and keys Excluded$2,500ExcludedExcludedIncluded
Business interruption floaterExcludedIncludedIncludedExcludedIncluded
Equipment breakdown floaterExcludedIncludedExcludedExcludedIncluded
Inland marine insurance floaterExcludedExcluded$10,000ExcludedExcluded
Employee dishonesty floaterExcluded$5,000$2,500ExcludedExcluded


Commercial property insurance covers your business assets. This insurance provides coverage for your inventory, equipment, or buildings. Some of the perils covered include:

  • Storm

  • Fire

  • Theft

  • Vandalism

  •  Any other natural disaster


Add-Ons to Commercial Property Insurance for Farriers

  • Business interruption insurance–A covered peril such as a flood can cause the short-term closure of a business. This insurance will compensate you for lost income and expenses your business incurs

  • Flood insurance–Some basic commercial property insurance may not include floods as a covered event. If you live in areas prone to floods, consider including this policy as an add-on


Coverage Limits of Commercial Property Insurance for Farriers

The coverage limit of commercial property farrier insurance is $10,000 and above. But your provider must gauge the property's value before agreeing on the exact limit.


Can You Combine Your Commercial Property Insurance with Other Policies?

Yes, you can purchase commercial property insurance with other policies, such as general liability insurance. This can help you save money and better manage your policies.


Is Your Personal Property Covered under Commercial Property Insurance?

No, for your personal property, you need to have another cover. Commercial property insurance only covers your business assets.