Clubs

Insurance for equine breed/discipline for Clubs and Associations. Two types of insurance we offer specifically for clubs and associations are:

Commercial General Liability Insurance - protects the organization, board members, volunteers, employees and others acting in an official capacity for bodily injury and/or property damage claims arising from activities as filed with Underwriters. Coverage limit $5,000,000 per occurrence and includes claims arising from injury to "participants" Extensions included (see attached).

Management Liability (Formerly Director's and Officer's Liability) - is a special coverage available separately to Clubs who require insurance to protect the officers and directors of the organization for "wrongful acts" arising from their official duties. Coverage limits available $1,000,000 - $5,000,000. Coverage may be extended to the actual ownership of land/buildings, and the operation or maintenance of equine facilities where you Own, Rent or Maintain Land/Building(s) for more than 15 consecutive days.

Coverage Includes:

  • $ 2,000 on owned money
  • $ 10,000 on owned property other than buildings (higher limits available)
  • $ 10,000 per horse ($100,000 per catastrophe) on horses of others
  • $ 1,000,000 on tenant legal liability on responsibility for rented premises
  • $ 5,000,000 liability for approved activities including injury to participants


For further coverage details, applications, and reference items: