https://completemarkets.com/company/Amwinsunderwriting/Equine-GL-PL/
A Professional/General Liability Insurance Program Dedicated to the Equine Industry
Available nationwide, Non-admitted, $750 minimum premium
Overview — Amwins Underwriting: Equine (GL & PL)
Amwins Underwriting (through its Equisure program) offers a specialist commercial general liability program with professional liability features for equine-related operations. Designed and underwritten by an experienced team with more than 30 years in the equine market, this product gives agents a market for boarding facilities, trainers, instructors, event organizers and other equine service providers that need liability protection on and off premises.
Ideal Accounts and Appetite
This program is aimed at a broad range of non-farm equine operations, including:
Equine boarding facilities
Equine instructors and trainers
Trail riding operations
Equine-assisted therapy programs
Horse sales activities
Homeowner associations (HOAs) with riding trails
Pony ride operators
The program is not designed for farm property/hobby farms or racing (wager) operations. Use this market when the client’s primary exposures are liability and professional services related to horse care, instruction, boarding, or managed riding activities rather than agricultural/farm property exposures or pari-mutuel racing.
Coverage Highlights and Advantages
Commercial general liability with professional liability — offered on an occurrence basis.
Liability coverage applies both on-premises and off-premises for covered operations.
Care, custody, and control limits included per horse and for non-owned property.
Fire legal liability provided at no additional charge.
Medical payments coverage available.
Limited professional liability included in most policies to address instructor/trainer exposures.
These features make the program a good fit for clients who need integrated GL and professional liability protection tailored to equine activities, with specific handling of care, custody and control exposures that often arise in boarding and training scenarios.
Underwriting Notes and Minimums
This is a non-admitted program offered through Amwins Underwriting. Minimum premium is $750. Underwriting considers the scope of services, loss history, supervision practices, facility condition, turnout/handling procedures, signage, and whether activities include youth programs or therapy sessions where additional precautions are required.
Territories and Availability
Available in: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY.
Why Place Equine Business with Amwins Underwriting (Equisure)
Niche underwriting expertise: Equisure’s long-standing focus on equine risks helps identify and price exposures specific to horse operations.
Practical policy features: care/custody/control language and limited professional liability are built to address common agent concerns for trainers and boarding operations.
Service-oriented: responsive submission review and experience handling equine claims and risk control discussions help move accounts efficiently.
Example Accounts That Fit This Program
A mid-sized boarding stable that provides basic training and lesson programs for adults and youth, with routine trail rides and occasional local shows.
An equine-assisted therapy provider that operates on rented premises and needs liability coverage for on- and off-site sessions, plus coverage for non-owned client horses.
How to Submit
To place a submission or ask underwriting questions, send your materials to the Equisure team:
Click here to send us a submission!
Frequently Asked Questions
What types of equine accounts are a good fit for this program?This program fits boarding facilities, instructors/trainers, trail riding operations, pony ride operators, horse sales activities, equine-assisted therapy programs, and HOAs with riding trails—basically commercial operations with liability and professional exposures rather than farm property/ranch risks.
Is this an admitted program and what is the minimum premium?The Equine (GL & PL) program is offered on a non-admitted basis and carries a minimum premium of $750.
Does the policy include care, custody, and control for horses?Yes. Care, custody, and control is included per horse and for non-owned property in the majority of policies, which addresses a primary exposure for boarding and training operations.
Are racing operations eligible?No. Racing (wager) operations are excluded from consideration by this program.
Where is the program available?The program is available in the states and territories listed on the storefront, including most U.S. states and DC. Confirm availability for a specific risk with underwriting before submitting.
Need help placing an account? Connect with a market specialist.