Do you know that most Commercial Liability Policies exclude coverage for death or damages to non-owned horses in your Care, Custody or Control? 

This covers you if you become legally obligated to pay for damages because of the death, theft or humane destruction of a covered animal in your Care, Custody or Control.

• A non-owned horse is struck by lightning while in your possession;
• A non-owned horse while in your possession is struck and killed by a vehicle after getting loose;
• A non-owned horse dies in an accident while being transported by you;
• A non-owned horse gets loose during training by you and causes injury to itself;
• Your barn is destroyed with a non-owned horse inside.

You could become legally obligated to pay for any of the above scenarios.  Your Commercial Liability would not cover you for any of the above examples.  Without Care, Custody or Control coverage, you would have to pay for a loss out of pocket.  The Care, Custody or Control policy will also pay for legal costs to defend any suit against you, up to policy limits. 

The Care, Custody or Control coverage is available either as a stand-alone policy or as an endorsement to your Equine Liability or Farm Owner’s Policy.