A horse trainer or boarding facility usually has a need for more than one liability coverage. Depending on their operation, they may need types of coverage such as: general liability, care, custody and control liability, and equine professional liability coverage.
General liability coverage includes bodily injury and property damage coverage, making general liability coverage perhaps the most important coverage to have.
If a horse you are training or boarding and do not own is injured, becomes sick, or perishes in your care, the owner may attempt to hold you legally and financially responsible. This type of occurrence is not insured under a general liability policy. A coverage known as “care, custody and control” must be purchased separately or added to the general liability policy by endorsement to protect you in the case of this type of occurrence.
The more you know and the higher your degree of notoriety and authority as a trainer, the higher your exposure and need for “professional liability insurance”. Having a conversation with an agent is the best way to find out if your training facility or business needs this type of coverage.