Table of contents
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 |
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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.
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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.Â
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| 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 |
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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.
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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.Â
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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.
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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.Â
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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.Â
Get all the best quotes from leading providers in a click of a button!
| 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 |
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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.Â
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| 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 |
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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.
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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.
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| 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 |
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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.
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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.
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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.
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Some of the add-ons are:
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:
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.
| 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 |
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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.Â
| 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.Â
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.Â
Best for: Best overall; Fastest general liability insurance for horse trainersÂ
Average cost: $55 per monthÂ
Our rating: 10/10
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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.Â
Best for: Comparing horse instructor insurance quotes onlineÂ
Average cost: $59 per monthÂ
Our rating: 10/10
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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.Â
Best for: Horse trainers who want a comprehensive commercial auto insurance coverÂ
Average cost: $57 per monthÂ
Our rating: 10/10
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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.Â
Best for: Comparing horse trainer insurance quotes over the phoneÂ
Average cost: $80 per monthÂ
Our rating: 8/10
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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.Â
Best for: Experienced horse trainers with high-value assets such as high-breed horses, high-end carriage, and sleighs
Average cost: $125 per monthÂ
Our rating: 9/10
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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.Â
Best for: Horse trainers who do this job as a part-time and not a full-time jobÂ
Average cost: $85 per monthÂ
Our rating: 8/10
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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.Â
Best for: Liability coverage for equine trainers with a free CCC add-on
Average cost: $60.41 per month
Our rating: 7/10
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
9.4 / 10
Fastest ever online insurance quote and purchase! Also, great rates and professional customer reps that helps with whatever you need, if you need. Nice company!
2.8 / 10
Embroker sells a product that it doesn't honor. We purchased a combination D&O and EPLI policy. However, when it came to renewal, it told us that we only had D&O coverage even through our ACCORD certificate clearly mentions we have both. Basically they refused to honor the EPLI coverage and will leave you hanging with the bag. At time of renewal, they more than doubled our quote to get similar coverage. Basically BAIT & SWITCH. Unacceptable tactics. Easy to buy and pay but you may not be... Read More
2.8 / 10
Great platform. Terrible policy. There is no teeth behind it. No coverage. It's a fake policy that they sell. Sold us an EPLI policy that later we came to find out had no EPLI coverage. Amazing that they can get away with outright fraud. Check the positive reviews. They are all 'Anonymous' posted by Emroker staff. Stay away and find a real policy that will actually provide you coverage. We've been bitten by them and hope to find restitution via a lawsuit.
Paul Burns Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
It has been 70 days since I made a claim on the roof of my building. No one from the company will return calls. We are in hurricane season and located in Louisiana. My building is tarped to secure it.
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
They are the worst, my truck was hit in January 23 and the claim adjuster has not been out to this very day! They have every excuse in the book as to why. They have not been to the collision shop. PLEASE AVOID THESE SCAM ARTIST!
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Avoid these SCAM ARTISTS! They don’t pay claims!!! Save yourself the trouble and money!
Kasey Arey Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
This company gives you a price that was in place for a year and when you have to use it there is fine print were they can go back and charge you more. Would not recommend them to any one. Crooks
John Murphy Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Worst insurance comapny I have ever dealt with. A commercial vehicle represented by GUARD t boned my wife and daughters family vehicle in the middle of the day. Driver was cited and insurance claim insued. Fast forward 4 months and refusal of full amount of claim is still happening. Driver was found guilty, repairs started on my vehicle and when it comes to the final bill and diminished value we cannot get any help. I am out a family car, have an injured and traumatized wife and children,... Read More
Harshadray Patel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Extremely bad service, when you call , will make you wait on the phone for ever (over an Hour) and still no one to answer , so you end up hanging up. To cancel the policy, bounce you from one department to the other. They are supposed to refund from the date other insurance started and after sending the proof of other insurance policy, still they did not refund based on that actual date instead they use the date i managed to get hold of them. They charged me $7000.00 for a year's insurance on... Read More
Aaron Wensel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Guard Insurance is terrible. They were so bad I cancelled them because them couldn't figure out why I would never get a paper copy of the bill . Verified my address with them and still intermittent billing. I cancelled them in March through my local broker. Today 6/27 I get a letter in the mail from a collections company saying I owe 87.97. This was the first myself or my broker heard of owing this money. Here is some advice for this failure of a company send me a god damn bill and I will pay.... Read More
Michael Swink Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
My employer had to have workers compensation by law. He obtained a policy through this Berkshire Hathaway GUARD and they failed me. I fell from a ladder and fractured my spine in 7 different places, my clavicle in 4 places, and the base of my skull. Going to my Dr visits I was prescribed medication for pain and the insurance company placed a pre-authorization hold on me picking up the medication from Walgreens. The hold lasted 5 days! My weekly benefits have never been on time, right now... Read More
10 / 10
Liberty Mutual is one of the more simple companies to deal with. I had to file a claim for my business owner policy after I caught one of my employees stealing a large amount of products from my business. Liberty mutual paid the claim fast and with no efforts. I wish the legal process was as easy…
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
9.4 / 10
Very pleased with Hiscox - their small business insurance rates are very good and they specialize in small business which gives me a peace of mind as a small business owner. So far so good!
10 / 10
Their customer service is absolutely fantastic. Very patient, knowledgable and provided excellent explanation of the purchased policy. I would highly recommend this insurance company to anyone that's looking to protect their business from unexpected expense. Thank you Hiscox for doing a great job for my business!
0.6 / 10
STAY AWAY! I wouldn't recommend hiscox small business liability insurance to anyone. Better not waste both your money and your time. Hiscox customer service is extremely unpleasant, not organized and not professional. It is the worst company we have dealt with in almost 25 years in business!
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Extremely fast and simple. Wasted a lot of time and money until I found these guys! I feel like my business is in good hands now.
10 / 10
Hiscox's the best! My business is insured with them for over 12 years and am not planning to switch!
10 / 10
Excellent experience with Hiscox BOP for my coffee shop. They provided all it needed.
10 / 10
My HI barbershop is well covered with their great BOP product for 5 years already! not planning to switch!
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
10 / 10
Great experience
6 / 10
Didn't relate to the concept much, but it makes sense if you need insurance to go
0 / 10
It doesn't really feel sustainable to me and doesn't offer business interruption, product liability and commercial property insurance. They have no local agents and despite their technology first approach you cannot file claims online. Additionally, product manufacturers are not covered by Thimble and they don't provide enterprise solutions.
10 / 10
As a contractor that works 3 times a week for a few hours, Thimble gets really handy for me and saves me money. I have no use for these massive business insurance coverages offered by traditional insurance companies.
10 / 10
Excellent concept which is useful to many small businesses!
10 / 10
Been waiting for this type of solution for a long time!
10 / 10
Love their business insurance solutions for freelancers! Great app!
Not all those who wander are lost.
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