If they are not your horses, then absolutely. Care, Custody & Control is coverage for boarding non owned horses, and provides coverage if the horses become sick or die due to your negligence or the negligence of one of your employees.
Equine Commercial Liability; Care, Custody and Control and possibly an excess liability policy. You should also consider Workers’ Compensation Coverage.***
If you are the owner of the farm, and have liability for the farm, you just need to make sure your agent has that exposure listed on your policy.
A Farm Owners Policy usually provides the same coverage as homeowners, but usually there are discounts applied when you package the home with the liability. The other benefit is your personal and commercial liability are on the same policy so if there is a claim you do not have 2 companies arguing about which liability …
Why should I consider replacing my Homeowner’s policy with a Farm/Ranch Owner’s policy? Read More »
The club would need to declare the show on their policy as a public event day. However, most liability policies exclude participants while they are in competition. Also, are the officers and directors covered under the club policy?Director’s and Officers are a separate policy and coverage is not provided under the club liability.
This creates a Workers’ Compensation issue. In order to be properly insured, the boarding stable would need to have Workman’s Compensation. Even though there is no money being exchanged, the trade has a value and would be considered remuneration. The same would be true for a person receiving a place to live for cleaning stalls, …
