Excess Liability Insurance
This $1,000,000 Excess Liability Insurance policy is an optional member benefit. Become an individual member of WHC and choose this valuable protection today.
The value of this benefit is tremendous! Cost of equine liability insurance is estimated to range from $300 to $400 per year to the average horse owner...if purchased individually.
Wisconsin Horse Council Individual Membership Cost w/ Excess Liability Insurance: only $40 per year.
If an owner’s horse hurts someone or damages someone’s property, the rider and owner can be held responsible for the damages. Even if proven not liable, you could incur considerable legal defense costs. Seldom is equine liability insurance extended from homeowners policies. $1,000,000 Equine Excess Personal Liability Insurance is an optional benefit available with an Individual or Family membership with the Wisconsin Horse Council.
Frequently Asked Questions (PDF)
*Legal liability which may result from an accident or occurrence involving a WHC Member’s horse or horse-drawn vehicle. Protection is provided for the negligence arising out of the use, or ownership, which may cause accidental bodily injury or property damage, including damage to another horse.
*Protection is provided if you are performing or competing in horse shows, clinics or demonstrations.
*Damages caused by a horse while grazing, stabled, or where the horse is not in the control of the Member.
*Defense and legal costs affiliated or in connection with any claim.
*Coverage is included for the Member giving permission to any person to use his horse or horse-drawn vehicle.
*Protection is considered “excess” over any valid and/or collectable insurance (i.e. farm, home, etc.) For Members without primary policies the excess liability will be considered “primary”.
*Children under 18 years of age are covered under a parent’s policy.
*Any horse, pony or mule is considered eligible under the terms and condition of the policy.
*You do not have to be a Wisconsin resident to become a WHC individual member and get this protection.
*Business and professional pursuits, rodeo, and racing exposures are excluded.
*Coverage is provided through Equisure, Inc., one of the nation’s leading equine insurance specialists, and underwritten at Lloyd’s, London.