Horse Trainer Insurance: Cost & Quotes From $35/mo

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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 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.

General Liability Insurance for Horse Trainers

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.


Coverage Limits of General Liability Insurance for Horse Trainers

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. 


Add-Ons for General Liability Insurance for Horse Trainers

  • 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

Professional Liability Insurance for Horse Trainers

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.


Coverage Limits of Professional Liability Insurance for Horse Trainers

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. 


Carriage and Sleigh Liability Insurance for Horse Trainers

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.


Coverage Limits of Carriage and Sleigh Liability Insurance for Horse Trainers

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.

Public Liability Insurance for Horse Trainers

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. 


Coverage Limit for the Public Liability Insurance for Horse Trainers

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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Commercial Property Insurance for Horse Trainers

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. 


Add-ons for Commercial Property Insurance for Horse Trainers

  • 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

Business Owners Policy for Horse Trainers

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.


Coverage Limits of Business Owners Policy for Horse Trainers

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.


A man training a horse on a paddock


Tools and Equipment Insurance for Horse Trainers

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.


Coverage Limits for Tools and Equipment Insurance for Horse Trainers

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.


Add-ons for the Tools and Equipment Insurance for Horse Trainers

  • 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

Equine Show Event Insurance

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.


Coverage Limit of Equine Show Event Insurance

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.


Add-Ons for the Equine Show Event Insurance

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 for Horse Trainers

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 for Commercial Auto Insurance for Horse Trainers

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.

Add-Ons for Commercial Auto Insurance for Horse Trainers

  • 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 

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 Horse Trainer Insurance Cost 

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

Compare Cheap Horse Trainer Insurance Quotes Online

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Best Horse Trainer Insurance Companies

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. 

NEXT Horse Trainer Insurance

Pros

  • 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

Cons

  •  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


CoverWallet Horse Trainer Insurance

Pros

  • Time-saving insurance company

  • Top-notch customer services

  •  It’s possible to customize all its insurance policies

Cons

  • 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

 

The Hartford Horse Trainer Insurance

Pros

  • Its available in all the 50 states

  • It also offers financial services

  • Its customer service is unrivaled

Cons

  •  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


Tivly Horse Trainer Insurance

Pros

  • It matches its clients with the best insurance company

  • It has a speedy quotation process

Cons

  • 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


Hiscox Horse Trainer Insurance

Pros

  •  It has a very straightforward website

  • It has created a functional mobile application

  • It’s rated A+ by AM Best

Cons

  •  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


Thimble Horse Trainer Insurance

Pros

  • You can purchase your policies online

  • Its policies can be provided on an hourly, daily and monthly basis

Cons

  • 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


Equisure Trainers Insurance

Pros

  • Free care, custody, and control add-on

  • High limits

  • Free certificates of insurance

  • Get a quote online or get insured through an agent

Cons

  • 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

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