If they are not your horses, then absolutely. Care, Custody & Control coverage is for boarding non-owned horses, and provides coverage if the any of horses become sick or die due to your or your employee’s negligence.
Equine Commercial Liability, Care, Custody & Control, and possibly an excess liability policy. You should also consider Workers’ Compensation Coverage.
As the owner of the farm you should have a liability policy for the farm. Once and if this is already in place, you just need to make sure your insurance agent has that exposure listed on your policy.
A Farm/Ranch Owner’s policy is a Homeowners & Commercial Liability policy combined. The benefits are that they often provide the same coverage as a sole Homeowner’s policy and has discounts applied for packaging the two policies. Another benefit of having your Personal and Commercial Liability packaged is less friction. In the event of making a …
Why should I consider replacing my Homeowner’s policy with a Farm/Ranch Owner’s policy? Read More »
While the club would need to declare the show on their policy as a public event day, most liability policies exclude participants while they are in competition. Officers and directors are not covered either. A separate policy would have to be applied.
Yes, this creates a Worker’s 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 …
