Horse trainers are professionals hired by horse farms to train and care for horses for various purposes, including racing, riding, and showing. Like any other profession involving animals, horse training comes with inherent risks that could result in injuries or damages. For one, the horse might buckle off or hurt someone while it’s being taught how to accommodate horse riders. Therefore, horse trainer insurance policies are necessary to from financial losses due to liability claims, property damage, or injuries.
| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 | $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 | $1000,000 | $100,000 | $5,000 | $100,000 | $1,000,000 |
| Waiver of subrogation included? | Yes | No | Included | Excluded | No |
| Hired/non-owned auto liability coverage included? | Yes | No | Excluded | Excluded | Can be included |
| Equipment breakdown floater included? | No | Yes | Yes | Excluded | Can be included |
| Can you get a certificate of insurance online? | Yes | Yes | Yes | Yes | Yes |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes |
| Deductible | $0 | $0 | $0 | $0 | $0 |
This horse trainer insurance protects against claims for third-party bodily injuries and property damage. It also covers your horse training business from copyright infringement and advertisement lawsuits. Despite being a core policy, this type of horse instructor insurance doesn’t cover your business from auto accidents, employee work-related injuries, and from costs of repairing and replacing your business property.
The coverage limit under this policy for horse trainers is $1 million per occurrence and $2 million aggregate. It’s also possible to get lower amounts of coverage which are typically $300,000 per occurrence and $2 million aggregate.
Tools and equipment insurance–This add-on grants a reimbursement for any damaged or lost horse training equipment you own
Employment practices liability insurance–This add-on protects your horse training business from financial consequences resulting from discrimination, wrongful termination and harassment lawsuits from your employees
| CoverWallet | NEXT | Thimble (Best) | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $1,000,000 | $1,000,000 |
| Aggregate limit | $2,000,000 | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000 | $2,000,000 |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes |
| Waiver of subrogation included? | Yes | No | Yes | Can be included | No |
| Deductible | $500 | $500 | $500 | $50/$10,000 | $500 |
This horse trainer insurance is also known as errors and omissions insurance. Professional liability insurance works to protect a horse trainer’s business from claims of breach of contract, violation of terms and conditions of service, inability to deliver services on the set time, and any acts of negligence. This horse trainer liability insurance doesn’t cover its policyholder from costs arising from third-party bodily injuries or property damage lawsuits.
The coverage limits under this equine instructor insurance policy are determined by the level of risks involved during service delivery and the horse trainer insurance company providing the coverage. Equine trainer Insurance companies offer $250,000-$2 million worth of coverage in their professional liability insurance.
This equestrian instructor insurance policy protects trainers who use carriages and sleighs for their day-to-day horse training activities. Under this policy horse trainers are protected from incurring third-party liabilities such as bodily injuries and property damages as a result of accidents or incidents during the use or operation of a carriage and sleigh.
The coverage limit under this horse trainer insurance ranges between $500,000-$1 million. The type of activities the horse carriage and sleigh is used to perform as well as the location in which is to be used are some of the factors used by an insurer to calculate how much they will pay you in the event you claim this policy.
This horse trainer insurance protects from incurring costs arising from third-party physical or bodily injuries or property damage. Public liability insurance isn’t common in the USA as there’s already general liability insurance that provides a more comprehensive level of coverage.
The public liability insurance for horse trainers has a coverage limit of approximately $1 million per occurrence and $2 million aggregate. But note that it’s possible to get $2 million-$5 million worth of coverage or even higher.
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| CoverWallet | NEXT (Best) | Hiscox | Thimble | The Hartford | |
|---|---|---|---|---|---|
| Building coverage limit (minimum) | $50,000 | $25,000 | $25,000 | $25,000/$500,000 | $35,000 |
| Contents coverage limit (minimum) | $50,000 | $25,000 | $25,000 | $25,000/$500,000 | $35,000 |
| Outdoor signs | Excluded | $2,500 | Excluded | Excluded | Excluded |
| Accounts receivable | Excluded | Excluded | Included | $5,000/$10,000 | Excluded |
| Money and securities | Excluded | $2,500 | Included | $1,000 | Excluded |
| Lock and keys | Excluded | $2,500 | Excluded | Excluded | Excluded |
| Business interruption floater | Excluded | Included | Included | Included | Excluded |
| Equipment breakdown floater | Excluded | Included | Excluded | Excluded | Excluded |
| Inland marine insurance floater | Excluded | Excluded | Excluded | $10,000 | Excluded |
| Employee dishonesty floater | Excluded | $5,000 | Included | $2,500 | Excluded |
This is a horse trainer insurance that is used to cover property and the contents from unforeseen risks such as fire, vandalism, riot, sinkhole collapse, and other covered perils. Your horse training business location, size, and how well you are prepared to handle the insured risks are some of the factors used to determine how much you get to pay for commercial property insurance.
Inland marine coverage–Protects your property when they are in transit
Earthquake insurance–Grants coverage for building reconstruction or repair expenses in the event your business property is destroyed by an earthquake
| CoverWallet | Thimble | NEXT (Best) | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| General liability aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000 | $300,000/$2,000,000 | $1,000,000/$2,000,000 |
| Commercial property coverage limit | $50,000 | $500,000 | $25,000 | $25,000 | $35,000 |
| Optional policies can be added? | Yes | Yes | Yes | Yes | Yes |
| Name additional insureds for free? | Yes | Yes | Yes | Yes | Yes |
This is a policy that combines commercial property insurance, general liability, and business interruption insurance into one comprehensive cover. Under a business owner’s policy, an insurance company protects its policyholder from third-party bodily injury and property damage as well as product liability, advertisement injuries, and business property damage.
The coverage limit for BOP for horse trainers ranges between $300,000 to $1,000,000. Exclusions and deductibles under this horse trainer insurance play a huge role in determining the payouts upon the receipt of a claim notice.
| NEXT (Best) | Thimble | Hiscox | |
|---|---|---|---|
| Aggregate limit | $5,000/$10,000 | $2,500/$5,000 | $5,000/$25,000 |
| Covers hired and borrowed equipment? | $5,000/$10,000 | $2,500/$5,000 | No |
| Miscellaneous equipment also covered? | $5,000/$10,000 | No | No |
| Offered as an endorsement to general liability insurance? | Yes | Yes | Yes |
| Deductible | $500 | $500 | $0 |
This insurance policy covers for cost of repairing and replacing owned or hired lost, stolen, or accidentally damaged tools and equipment used by a horse trainer in caring for the horses and for conducting his/her horse training activities. This insurance policy can only be effective if the tools and equipment being covered are moveable and are less than 5 years old.
The coverage limit under this insurance policy ranges between $5,000 to $50,000. This coverage limit varies among insurers and the type of tools and equipment being insured.
Downtime coverage–Under this add-on, you are shielded from experiencing financial constraints in the event the tools and equipment you use as a horse trainer are damaged or stolen thus rendering you incapable of training your horse
Rental reimbursement coverage–This add-on works to cover the cost of renting while a covered equipment is being repaired
An equine show is a competitive show held to display the qualities and skills of each of the competing horses and their riders. It’s also known as a horse-riding show or an equestrian show. On the other hand, an equine show event insurance is a type of coverage that covers a horse trainer from third-party property damage and bodily injuries that occur during a horse-riding show.
The coverage limit for an equine instructor insurance typically ranges from $10,000-25,000. This coverage limit is determined by the value of horses participating in the horse-riding show, the types of activities being performed by the horses, the size of the event, the estimated number of people who will be spectating or participating, and the location of the event.
Some of the add-ons are:
Weather-related coverage-Under this add-on, a policyholder is shielded from financial consequence that may be caused by weather-related issues such as the cancellation of the show due to the prediction of extreme weather conditions during the set date
Equipment coverage-This add-on protects you from incurring costs for replacing or repairing lost, stolen, or destroyed equipment that's being used during the equestrian show
Non-owned horse liability-This protects a horse trainer from claims arising from injuries caused by a horse that he/she doesn’t own
Commercial auto insurance protects a horse trainer’s commercial vehicles from any costs arising from property damages and bodily injuries following an accident. This insurance provides coverage to the drivers, passengers, or horses ferried in the insured automobile. Commercial auto insurance for horse trainers has 5 main coverage components which are:
Auto liability coverage–This helps you offset any costs arising from the liabilities caused by the use of a commercial automobile
Comprehensive–Protects you from losses that occur due to non-collision events such as destruction of a commercial vehicle due to adverse weather conditions, fire, theft, or vandalism
Collision coverage–This protects you from incurring costs of repairing a vehicle that has been damaged due to a collision with another vehicle or an object
Medical payments coverage–This covers your or your passengers’ medical expenses
Uninsured and underinsured motorist coverage-This protects you from financial constraints in the event you get into an accident with an uninsured motorist
Coverage limit ranges from $100,000 to $1,000,000. How much an insurer pays a horse trainer under this horse trainer insurance is depended on a number of factors which are: the number of horses transported in the insured commercial automobile, the model and the type of vehicle being used, and the specific coverage needs.
Roadside assistance coverage–Caters to battery jumpstart, tire delivery, gas delivery, and other related services if your vehicle breaks on the road
Trailer coverage–Covers the repair of any trailers attached to your vehicle
Hired or non-owned auto liability coverage–Gets victims hospitalized and treated in case a vehicle you hired or borrowed causes an accident
| Cost per Month | Cost per Year | Deductible | |
|---|---|---|---|
| General liability insurance | $105 | $1,260 | $0-$500 |
| Professional liability insurance | $120 | $1,440 | $500-$1,000 |
| Commercial property insurance | $135 | $1,620 | $1,000-$2,500 |
| Business owner’s policy | $140 | $1,680 | $500-$1,000 |
| Commercial auto insurance | $107 | $1,284 | $1,000-$1,500 |
| Workers compensation insurance | $160 | $1,920 | $2,000-$5,000 |
| Tools and equipment insurance | $110 | $1,320 | $500-$1,000 |
| Event insurance | $112 | $1,344 | $500-$1,000 |
The average horse trainer insurance cost is $105 per month or $1,260 per year for a $1 million general liability insurance. Some factors that affect premiums are revenues, claims history, deductibles, and policy limits. Here’s a table shedding more light on horse instructor insurance cost estimates by showing the rates of the companies we recommend.
| Cost per Month | Cost per Year | Best for | |
|---|---|---|---|
| NEXT | $55 | $660 | Best overall; Fastest general liability insurance for horse trainers |
| The Hartford | $57 | $684 | Horse trainers who want a comprehensive commercial auto insurance cover |
| Coverwallet | $59 | $708 | Comparing horse instructor insurance quotes online |
| Equisure | $60 | $725 | Liability coverage for equine trainers with a free CCC add-on |
| Tivly | $80 | $960 | Comparing horse trainer insurance quotes over the phone |
| Thimble | $85 | $1,020 | Horse trainers who do this job as a part-time and not a full-time job |
| Hiscox | $125 | $1,500 | Experienced horse trainers with high-value assets such as high-breed horses, high-end carriage, and sleighs |
Get all the best quotes from leading providers in a click of a button!
Below is a list of some of the best horse trainer insurance companies. Read some of the reviews to know their pros, cons, and average cost for a $1 million general liability coverage.
Best overall
Get an online proof of insurance and send as a text message, email, or social media post
Fastest general liability insurance for horse trainers
Great customer service and reputation
Issues an online proof of insurance instantly
Outstanding value for money
Bundle two or more insurance policies and get a 10% discount
Not applicable
Commercial property insurance, commercial auto insurance, professional liability insurance, general liability insurance and workers compensation insurance are some of the coverages that NEXT provides. All policies can be bundled under one insurance package for a 5% discount. Moreover, liability policies offer an online certificate of insurance.
Best for: Best overall; Fastest general liability insurance for horse trainers
Average cost: $55 per month
Our rating: 10/10
Time-saving insurance company
Top-notch customer services
It's possible to customize all its insurance policies
People living in Alaska cannot enjoy its coverage
CoverWallet is an insurance broker. It has an online quotes comparison platform you can use to see which insurance companies offer the most comprehensive coverage at the right price. CoverWallet also allows you to buy any quote online. Note that online quotes clearly show coverage limits and the corresponding deductibles.
Best for: Comparing horse instructor insurance quotes online
Average cost: $59 per month
Our rating: 10/10
Its available in all the 50 states
It also offers financial services
Its customer service is unrivaled
Not applicable
Auto, business, and homeowners insurance policies are the coverages provided by this A+ AM Best rated insurance company. The Hartford is known for covering highly risky business lines. Policies you can get from this company are general liability, commercial property, and workers compensation insurance.
Best for: Horse trainers who want a comprehensive commercial auto insurance cover
Average cost: $57 per month
Our rating: 10/10
It matches its clients with the best insurance company
It has a speedy quotation process
No online quotes
Business owners policy, professional liability insurance, commercial general liability insurance, commercial auto insurance, and workers comp insurance are some of the coverages provided by this A+ AM Best rated insurance broker. Tivly doesn’t offer online quotes. You have to call a representative to get covered. Nonetheless, this is okay as you get to ask questions about the specifics of your coverage before buying.
Best for: Comparing horse trainer insurance quotes over the phone
Average cost: $80 per month
Our rating: 8/10
It has a very straightforward website
It has created a functional mobile application
It’s rated A+ by AM Best
It’s unavailable in Alaska
Business owners policy, commercial auto insurance, workers comp insurance and general liability are some of the horse insurance policies provided by the A+ AM Best rated insurance company. Hiscox offers worldwide coverage. Moreover, this company offers a 14-day moneyback guarantee.
Best for: Experienced horse trainers with high-value assets such as high-breed horses, high-end carriage, and sleighs
Average cost: $125 per month
Our rating: 9/10
You can purchase your policies online
Its policies can be provided on an hourly, daily and monthly basis
It’s not the actual insurance provider
Event insurance, errors and omissions insurance, business equipment insurance, general liability insurance, and workers comp insurance are some of the horse trainer insurance policies that Thimble provides. You purchase all of this under one insurance package for convenience.
Best for: Horse trainers who do this job as a part-time and not a full-time job
Average cost: $85 per month
Our rating: 8/10
Free care, custody, and control add-on
High limits
Free certificates of insurance
Get a quote online or get insured through an agent
Doesn’t state whether or not certificate of insurance is free online
Equisure offers an equine trainers insurance package consisting of one policy that covers professional liability and general liability claims. The coverage limit is $250,000-$2 million. As a policyholder, you enjoy a coverage that comes with a free certificate of insurance. Moreover, a CCC inclusion is automatically at no additional cost.
Best for: Liability coverage for equine trainers with a free CCC add-on
Average cost: $60.41 per month
Our rating: 7/10
Use anyone except Employers. Period. They are non-transparent and shameful. After I complained long enough to warrant a call from a supervisor, the supervisor called back from a PRIVATE NUMBER (no caller ID), left a message that they are not reversing their decision (without any communication with me), and failed to leave a phone number for me to call back. She was hiding! They also fact find via email and phone calls, which is terrific for speed and communication. However, after setting a precedence of email or phone calls, they send time sensitive information via email, without any heads up... they are hoping you miss it and forfeit via expiration. Evil policies. Go elsewhere.
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!
Not all those who wander are lost.
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