Markel’s American Quarter Horse insurance protects you if you own one horse or one hundred.  As an AQHA member, Markel will give you a 10% credit when you buy a Commercial Equine Liability or Equi-Farm policy.

We offer the following coverages to protect private horse owners and horse business owners.

Commercial Equine Liability (CEL)
If you give riding lessons or board, breed, race, sell, or train horses as a business, this insurance protects you against third-party liability lawsuits for bodily injury/property damage, whether there is negligence or not. CEL includes Professional Liability coverage for riding instructors and independent trainers.
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Care, Custody, and Control (CCC)
If you board, breed, or train horses you do not own, CCC covers you if a horse you do not own becomes sick, is injured, or dies due to your negligence. CCC is available as an endorsement to your CEL or Equi-Farm policy. It is not available as a stand alone policy.

Equi-Farm Package
If you own a horse farm, this package combines property and liability insurance to fully protect your home, household contents, barns, sheds, owned machinery, equipment, tack, livestock and horse operation, on and off premises.
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Private Horse Owner’s Liability
If you own horses and are not involved in a commercial equine business, this insurance protects you if someone claims your horse caused their bodily injury or damaged their property, even if your horse is kept at an independently owned stable.
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All-Risk Horse Mortality & Theft
This basic policy reimburses you for death, theft, or humane destruction of a covered horse. The optional Medical/Surgical plan pays up to $8,000/year/horse.  There are two options:

a.  Hassle Free Mortality & Theft: A vet certificate is not required for horses that are valued up to $30,000, between the ages of 91 days and 15 years old and have a clean bill of health.  (Note: Race horses, race breeding stock, Tennessee Walkers, Racking, Miniature horses, Paso Finos, Peruvian Pasos, Draft & Halter Show horses or Halter Breeding Stock are not eligible.)
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b.  Standard All-Risk Mortality & Theft: Should your horse not fit into the Hassle Free Mortality program, our Standard All-Risk Mortality & Theft policy can provide you the same great protection at an affordable price. To obtain a quote, you must complete the Standard All Risk Mortality & Theft application and provide a current vet certificate.
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Commercial Umbrella Liability
This insurance provides extra protection for catastrophic events. Commercial umbrella liability goes into effect after you’ve exceeded the limits of your Markel commercial liability or commercial auto insurance. We offer limits up to $10 million.
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