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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 various 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.
This horse trainer insurance protects against claims for third-party bodily injuries and property damage.
The coverage limit under this policy for horse trainers is $1 million per occurrence and $2 million aggregate.
| 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 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, 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.
Equine trainer Insurance companies offer $250,000-$2 million worth of coverage in their professional liability insurance.
| 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 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.
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.
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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.
| 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 insurance policy covers the 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.
| 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 |
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.
The coverage limit for an equine instructor insurance typically ranges from $10,000-25,000.
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.
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.
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| 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.
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.
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.
Average cost: $55 per month
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.
Average cost: $59 per month
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.
Average cost: $57 per month
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.
Average cost: $80 per month
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.
Average cost: $125 per month
Thimble horse trainer insurance policies include,Event insurance, errors and omissions insurance, business equipment insurance, general liability insurance, and workers comp insurance. You purchase all of this under one insurance package for convenience.
Average cost: $85 per month
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