Transporting horses from the horse farm to any other location is better done through a horse trailer than an enclosed trailer.
An enclosed trailer might seem to work. However, it doesn’t have the sturdiness and spaciousness of a horse trailer, which mitigates the possibility of the horses getting stressed and injured during the trip.
Horse trailers are expensive. Moreover, they’re bulky and can easily cause accidents while on the road. This is why, unlike utility trailers which you can use without insurance, horse trailers must be insured.
Horse trailer insurance is a standalone insurance product consisting of policies that grant protection if your horse trailer causes an accident, gets damaged, gets stolen, or breaks down. Here’s a guide that will answer all of your questions.
A common inclusion in horse trailer insurance programs is a commercial auto policy. You initially purchase this as a cover for the vehicle which is towing your horse trailer. However, there’s no stopping you from adding the horse trailer as an insured item. There are many uses for a commercial auto policy. Allow us to break them down one by one:
Commercial auto insurance comes with an auto liability coverage that pays the medical treatment of third parties who sustains injuries because of your horse trailer. Here are some examples where this kicks in:
Your horse trailer detaches from the vehicle, swerves on the road, and hits a car
Your horse trailer hits a pedestrian while you’re reversing
Your horse trailer is poorly maintained. One of its parts loosens up and hits a pedestrian or a vehicle
A trailer endorsement can be included in commercial auto insurance. Basically, its job is to repair or replace your horse trailer in case of damage or destruction caused by theft, vandalism, vehicular accidents, lightning, weather, and other covered perils. The payout you’ll receive will be equal to the current resale value of the horse trailer before it got damaged.
| CoverWallet | NEXT (Best) | Progressive | GEICO | Hiscox | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $300,000/$1,000,000 | $1,000,000 | $300,000/$2,000,000 | $300,000/$2,000,000 |
| Aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $2,000,000 | $300,000/$2,000,000 | $300,000/$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 | $100,000 | $100,000 | $100,000 |
| Waiver of subrogation included? | Yes | No | No | Can be included | Can be included |
| Hired/non-owned auto liability coverage included? | Yes | No | No | Can be included | Can be included |
| Equipment breakdown floater included? | No | Yes | No | Can be included | Can be included |
| Can you get a certificate of insurance online? | Yes | Yes | Yes | Yes | Yes |
Say what if the horse trailer isn’t running on the road or attached to a vehicle? Will commercial auto insurance cover costs? In most cases, the answer to this question is no. This is why you need general liability insurance.
General liability insurance will cover claims for bodily injury or property damage if an accident happens under circumstances outside of the scope of commercial auto insurance. Here are some examples:
You parked your horse trailer on the side of the road. You didn’t place an early warning device. A cyclist crashes to it and sustains injuries
Kids are playing in your horse trailer. One of them falls from the platform. The parents demand compensation for the child’s medical treatment
You rented your trailer to another horse farm. It suddenly got defective and caused an accident
Yes. General liability insurance can be added with tools and equipment coverage or inland marine endorsement. This allows the policy to grant a reimbursement, albeit very limited, if your horse trailer is damaged or destroyed due to theft, vandalism, or vehicular accidents.
| NEXT | Hiscox | GEICO | |
|---|---|---|---|
| Aggregate limit | $3,000/$10,000 | $15,000/$25,000 | Up to the value of your horse trailer |
| Covers hired and borrowed equipment? | $3,000/$10,000 | No | Up to the value of your horse trailer |
| Miscellaneous equipment also covered? | $5,000/$10,000 | Yes | Up to the value of your horse trailer |
| Offered as an endorsement to general liability insurance? | Yes | Yes | No |
| Deductible | $500 | $0 | $500-$1,000 |
A tools and equipment insurance grants coverage if your horse trailer gets damaged or destroyed while it’s stationary or attached to a vehicle. This will reimburse the repair or replacement of your horse trailer if it gets damaged due to fire, theft, vandalism, operator error, or sudden defects.
Policy limits range between $10,000-$50,000 or more. In some cases, insurance companies decide the amount of coverage you’ll receive based on how much money it will take you to replace or repair the horse trailer.
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| CoverWallet | NEXT (Best) | Hiscox | |
|---|---|---|---|
| Building coverage limit (minimum) | $50,000 | $300,000 | $25,000 |
| Contents coverage limit (minimum)* | $50,000 | $18,000 | $25,000 |
| Outdoor signs | Excluded | $2,500 | Excluded |
| Accounts receivable | Excluded | Excluded | Included |
| Money and securities | Excluded | $2,500 | Included |
| Lock and keys | Excluded | $2,500 | Excluded |
| Business interruption floater | Excluded | Included | Included |
| Equipment breakdown floater | Excluded | Included | Excluded |
| Inland marine insurance floater | Excluded | Excluded | Excluded |
| Employee dishonesty floater | Excluded | $5,000 | Included |
Commercial property insurance is usually used to cover buildings such as barns, offices, and facilities. However, you’ll be surprised that this can also be used as a horse trailer insurance coverage.
You must be asking why, and here’s the answer. Commercial property insurance comes with contents coverage*. This contents coverage allows commercial property insurance to not only cover the building but also anything within its premises. Here are some situations where this can apply:
A fire engulfs your horse boarding facility and the horse trailers in the garage or got damaged or destroyed
Thieves break into a building you are insured with commercial property insurance. They successfully managed to steal the horse trailer kept inside
Contents coverage will grant a reimbursement based on the estimated value of the horse trailer that got damaged or destroyed because of an incident included in the terms of commercial property insurance.
| CoverWallet | NEXT (Best) | Hiscox | |
|---|---|---|---|
| General liability aggregate limit | $2,000,000 | $300,000/$1,000,000 | $300,000/$2,000,000 |
| Commercial property coverage limit | $50,000 | $25,000 | $25,000 |
| Optional policies can be added? | Yes | Yes | Yes |
| Name additional insureds for free? | Yes | Yes | Yes |
| BOP discount? | Yes | Yes | Yes |
You can bundle your general liability insurance and commercial property insurance into a business owner’s policy. In a nutshell, you can use this insurance to simultaneously:
Cover the bodily injuries or property damage caused by your horse trailer
Reimburse the value of the horse trailer and the building where it’s stored
Getting this insurance is smart if you want to get two types of coverage without spending much. Purchase a business owner’s policy and you’ll enjoy a 5%-10% discount or more depending on which insurance company you work with.
Say what if you need to relocate to another area and the horse trailer you own needs to be hauled through a truck? How do you protect your precious equipment in this case?
The solution is inland marine insurance. Inland marine insurance is a type of property insurance product that will reimburse the value of the horse trailer if it gets damaged or destroyed during the trip due to:
Accidental unloading
Negligence of the shipping carrier
Upset
Vandalism
Theft
Lightning
Malicious mischief
Trailer interchange insurance allows you to cover the repair or replacement of trailers that were leased, rented, or borrowed under a trailer interchange agreement. You can purchase this as a stand-alone policy or as an add-on to commercial auto insurance.
Experiencing a breakdown is distressing enough. While you might access equine trailer breakdown assistance, these services can be costly, especially if the trailer fails outside regular business hours.
A horse trailer breakdown cover takes care of repair and replacement expenses after breaking down.
Besides covering the mechanical failures and towing costs, horse trailer insurance and breakdown cover protects you in other events, including:
Emergency expenses – Sometimes your trailer may fail in the middle of nowhere; in such a case, your horse trailer insurance will cover the expenses of emergency accommodation or transportation for you and your horse.
Roadside assistance – Roadside assistance coverage takes care of the costs for tire replacement and tire repair. This even acts as a horse trailer towing insurance that reimburses the cost of towing services if you need to take the horse trailer to a repair shop after it breaks down
Note that horse trailer breakdown insurance doesn’t cover a horse trailer you borrowed. In the same way, you can’t use this insurance to take care of expenses if your horse trailer breaks down while being used by another person.
There are insurance endorsements that can be used for horse transport insurance. Particularly, deck collapse coverage, livestock transit coverage, limited livestock transit coverage, and carcass removal coverage.
Livestock transit coverage is a type of commercial horse transport insurance that is underwritten as an all-risk policy. This means that it can cover all of the common accidents that might happen while horses are loaded, transported, and unloaded from your horse trailer.
Limited livestock transit coverage is a less comprehensive version of livestock transit coverage. This only covers the perils you list on its terms. Those you willfully or accidentally exclude aren’t covered.
It’s rare for the deck of your horse trailer to collapse due to the sheer weight of its load. But if this occurs, you will sustain hefty financial losses. Insurance companies cover this exposure through deck collapse coverage.
Of course, you’ll need a horse transport business insurance that will cover the cost of removing the bodies of dead horses from the road in case of a devastating vehicular accident. This is where carcass removal coverage comes in. This will reimburse what you spent on carcass removal services. Cleanup costs might also be covered.
| Cost per Month | Cost per Year | Deductible | |
|---|---|---|---|
| General liability insurance | $35 | $420 | $0-$500 |
| Commercial property insurance | $50 | $600 | $1,000-$2,500 |
| Business owner’s policy | $80 | $960 | $500-$1,000 |
| Commercial auto insurance | $120 | $1,440 | $500-$1,000 |
| Equipment breakdown insurance | $40 | $480 | $500-$1,000 |
| Inland marine insurance | Depends on the value of your horse trailer | Depends on the value of your horse trailer | $2,000-$5,000 |
| Tools and equipment insurance | Depends on the value of your horse trailer | Depends on the value of your horse trailer | $1,000 |
The average horse trailer insurance cost is $35 per month or $420 per year for a $1 million general liability policy. This figure is just an estimate. You might encounter the same rate or not depending on several factors, including:
The trailer's market value, make, and model
The distance and destination
Your driving record and claims history
Where you live
Deductible level
Your trailer storage location and practices
Don’t forget to compare horse trailer insurance quotes online to enjoy great rates. Start by clicking the get quotes button on this page. Further ways of saving money on premiums are having high deductibles, insuring that your horse trailer is in good condition before purchasing coverage, and telling the insurance company that you ask borrowers or renters to get a trailer interchange insurance.
In connection, the table below shows how much the $1 million general liability policy from companies that offer a cheap horse trailer insurance quote:
| Cost per Month | Cost per Year | Best for | |
|---|---|---|---|
| NEXT | $18 | $216 | Best overall; Fastest general liability insurance for horse trailers |
| CoverWallet | $22 | $264 | Comparing horse trailer insurance quotes online |
| Tivly | $25 | $300 | Comparing horse trailer insurance quotes over the phone |
| Hary Hall | $28 (per quarter) | $336 | Horse trailers owners looking for insurance from an equestrian-focused provider |
| Hiscox | $29 | $348 | Horse trailer insurance with automatic policy renewal |
| GEICO | $30 | $360 | Customers looking for insurance with relatively lower limits |
| USAA | $35 | $420 | Horse trailer insurance for active military members and veterans |
| State Farm | $37 | $444 | Comprehensive emergency roadside assistance coverage for horse trailers |
| Progressive | $41 | $492 | Horse trailer owners looking for insurance with higher replacement costs coverage limit |
| Farm Bureau | $47 | $564 | Customers wanting to integrate horse trailer insurance into personal auto coverage |
Get all the best quotes from leading providers in a click of a button!
Now that you've understood the importance of horsefloat insurance, the costs, and coverage, we want to provide you with leads on the best horse trailer insurance companies. Here are the top providers to consider. Read to know their pros, cons, and cost of a $1 million general liability insurance.
Best overall
Issues an online proof of insurance instantly
Fastest general liability insurance for horse trailers
Great customer service and reputation
Excellent rates
Outstanding value for money
Get a 10% discount if you buy two or more policies
Couldn’t find any
NEXT can cover your horse trailer using its general liability insurance, commercial property insurance, and tools and equipment insurance. The contents coverage of NEXT’s commercial property insurance provides $18,000. On the other hand, its tools and equipment insurance grants $3,000-$10,000 worth of coverage. NEXT’s general liability policy can provide $300,000-$2 million worth of coverage for accidents your horse trailer causes. NEXT can also give a commercial auto policy. However, this is underwritten by Progressive.
Best for: Best overall; Fastest general liability insurance for horse trailers
Average cost: $18 per month
Our rating: 10/10
Compare horse trailer insurance quotes online
Unique endorsements can be added to general liability, commercial property, and commercial auto liability to grant comprehensive coverage for your horse trailer
Easy online policy management
Cancel your coverage anytime
Not an insurance company but an insurance broker
CoverWallet’s horse trailer insurance offers general liability, commercial property, equipment breakdown, and commercial auto insurance. This company’s general liability insurance can cover up to $1 million-$2 million worth of accidental injuries or property damage that can be traced to your horse trailer. CoverWallet’s commercial auto policy, on the other hand, offers up to $15,000-$25,000 coverage for accidents that happen on the road.
Best for: Comparing horse trailer insurance quotes online
Average cost: $22 per month
Our rating: 10/10
Responsive customer service
Compare quotes over the phone
A partner of many reputable insurance companies
You need to call to get a quote
Tivly helps you get covered by hooking you up with its partners. Through this company, you can buy the horse trailer insurance policies of reputable insurance companies. To get covered, you need to call a Tivly representative and compare quotes over the phone.
Best for: Comparing horse trailer insurance quotes over the phone
Average cost: $25 per month
Our rating: 10/10
Automatic policy renewal
Worldwide coverage
Fast to handle claims
An insurance company with a good reputation and considerable experience
Not a BBB accredited company
Hiscox grants a general liability policy, commercial property policy, commercial auto, and tools and equipment insurance for horse trailers. You can get a quote through Hiscox’s website, an agent, or from companies that work with Hiscox. This company’s general liability policy has a $300,000-$2 million per occurrence and aggregate limit. The tools and equipment insurance, which you can avail as an add-on to general liability insurance has a $15,000-$25,000 limit.
Best for: Horse trailer insurance with automatic policy renewal
Average cost: $29 per month
Our rating: 9/10
Discounted insurance cost for bundled-up policies
Online insurance purchase available
Other policies are offered but through a third party
GEICO has been in the insurance industry since 1936. The company has an extensive understanding of the horse hauling trade, the risks involved, and the right policies to cover them. With GEICO, you can get enhanced horse trailer insurance coverage with policies that cover the unique risks you encounter on the road:
Total loss replacement
Replacement cost personal effects of $1,000 or $5,000 with Comprehensive and Collision Coverage
Emergency expense coverage of $1,000
Medical payments coverage
If you operate a business, GEICO also provides horse transport business insurance with various options for small companies: business owner's policy (BOP), general liability, professional liability, commercial auto coverage, and workers' compensation.
The provider also offers cost-saving opportunities with discounts on insurance for bundled-up policies (two or more coverages in a single policy). In addition, customers can conveniently apply for and purchase insurance for horse trailers with living quarters on the company's website. The disadvantage is that they can't file insurance claims online unless it's a commercial auto insurance claim.
Best for: Customers looking for insurance with relatively lower limits
Average cost: $30 per month
Our rating: 8/10
Online quotes available
High AM Best rating for financial stability
Excellent user-friendly experience
Customers can access insurance certificates and track claims online
No official claims processing timeline
USAA was established in 1922 in San Antonio, TX, to provide insurance to active military servicemen, veterans, and their families. Today, the company serves millions of insurance customers across various industries, including horse transport. With USAA horse trailer insurance, you get:
Comprehensive and collision coverage if your trailer is damaged because of an accident, theft, fire, vandalism, or weather
Uninsured/underinsured Motorist Coverage–If a driver without insurance hits your trailer, this policy covers your injuries, trailer damages, and lost wages.
Liability coverage for third-party injuries and property damages
Discounts for safety, multiple policies, and original ownership
While the company doesn't provide customers with the convenience of adding other insureds and filing claims online, horse trailer owners can get insurance quotes, access their insurance certificates, and track their claims over the internet. USAA is an AM Best-rated insurer, so customers can rest assured that the company has the financial capability to settle their claims.
Best for: Horse trailer insurance for active military members and veterans
Average cost: $35 per month
Our rating: 8/10
Numerous channels for filing a claim
High customer satisfaction rating
Available in all 50 states, plus Washington, D.C.
Policyholders have limited online capabilities
No online quotes
State Farm is one of the best insurance providers, with over 100 years of experience in the industry. The company offers insurance policies to cover a wide range of trailers.
The Illinois-based insurance provider offers general liability insurance to cover physical damages and liability coverages. Its insurance policies include:
Comprehensive and collision coverage
Emergency roadside assistance (although some restrictions apply)
General liability insurance
Medical payments coverage
Personal injury protection
State Farm's equine trailer insurance is available in all 50 states and Washington, D.C. That enables customers to work with local insurance agents who have local authority in the industry and can review the risks to offer individual customers proper coverage and insurance quotes. Additionally, horse transport business owners can add professional liability coverage to their business owner's policies for more protection.
Best for: Comprehensive emergency roadside assistance coverage for horse trailers
Average cost: $37 per month
Our rating: 8/10
Discounts available when you combine business and personal auto insurance
A range of horse trailer insurance policies
Insurance only available through local agents
Customers can't file claims through Progressive (except for business auto)
Progressive provides horse trailer insurance coverage under its trailer insurance policy, which also offers protection for various types of trailers.
The company's insurance portfolio features a range of horse trailer insurance Progressive policies, and customers can choose which purchase to get the best protection. They include:
Comprehensive and collision insurance
Replacement cost and personal effects-covers your personal property (cargo and gear) with up to $99,000 in coverage
Emergency expense coverage-provides up to $750 or $2,000 for transportation and accommodation if the trailer breaks down over 50 miles from home
Best for: Horse trailer owners looking for insurance with higher replacement costs coverage limit
Average cost: $41 per month
Our rating: 8/10
Equestrian-focused insurance provider
Offers membership with discount perks
Non-members may incur higher insurance costs
Hary Hall was founded in 1870 and has become one of the top equestrian insurance products and service providers. The company allows customers to join its Harry Hall One Club – a membership that provides networking opportunities and access to discounts on equestrian brands.
Its One Club member-exclusive equine trailer insurance comes with accidental damage and theft protection with three coverage limits: $2,470, $6,170 or $9,880. The member-only insurance coverage also features recovery, delivery and hire trailer expenses.
If you operate a commercial horse transport business, Harry Hall also provides third-party Insurance, which includes public liability coverage and personal accident insurance.
Best for: Horse trailers owners looking for insurance from an equestrian-focused provider
Average cost: $28 per quarter
Our rating: 8/10
Provides coverage for a wide range of recreational trailers and vehicles
Superior claims service
Offers a wide range of discount opportunities
Online quotes available
Customers are restricted to purchase insurance from agents
With Farm Bureau Insurance, you don't have to give up protection to transport your horses to a show, competition, or any other destination. If you have personal auto coverage, you need not purchase a separate policy because members can add their horse trailer insurance to the auto policy.
The insurer provides horse transportation coverages that go the extra mile. The company also bundles up policies, which means you get a single policy for one premium. These policies include:
Collision coverage
Comprehensive coverage
Uninsured/underinsured motorist coverage
Bodily injury and property damage liability coverage
Farm Bureau has been rated as one of the best insurance companies regarding claims settlements. Its excellent paying ability has earned it a good track record for quick and fair claims service with over 90% success rate. Additionally, the provider offers customers various ways to save on insurance through discount gateways, such as membership to Farm Bureau Member's Choice, low mileage discount, claim-free discount, etc.
Best for: Customers wanting to integrate horse trailer insurance into personal auto coverage
Average cost: $47 per month
Our rating: 8/10
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!
It really can't get any better than this... wow
Not all those who wander are lost.
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