The Hartford doesn’t offer equine insurance online, but a local agency or Tivly may be able to help you find the coverage you need. The following content includes information from various sources and can change over time.
What Is Equine Insurance?
Equine insurance is a package made up of different types of business insurance coverages to help protect you from the risks you face as you operate your barn or horse-centric business. Insurance for horse businesses can also help cover the health and well-being of your herd. With the best equine insurance for your farm, you’re better prepared to handle everyday challenges.
Common types of coverages that could be part of an equine insurance package include:
- General liability insurance
- Livestock insurance
- Workers’ compensation insurance
- Commercial auto insurance
Why Might You Need Equine Insurance?
Equine insurance is a collection of coverages designed to help protect your business from the many risks that come with working around horses. Imagine a client gets hurt during a riding lesson, leading to a lawsuit. Or a fire damages your stables, resulting in significant repair costs that disrupt your business. Without proper coverage, these events could be financially devastating.
Equine insurance can help protect your business from many potential risks, like:
- Animal Illness: One of your horses gets sick, and the vet bills are more than expected.
- Equipment Theft: Equipment is stolen from your facility, forcing you to rent replacements to keep things moving.
- Event Cancellation: A planned equine event is canceled due to weather, resulting in lost income.
Equine Insurance Coverages
When it comes to protecting your business, you’ll want to ensure you have adequate coverage for your potential risks. Many horse barn owners have a Business Owner’s Policy (BOP) for the peace of mind it can provide. It combines three types of coverage to help protect your horse business:
General liability insurance helps protect your business from claims that it caused bodily injury or property damage to others. For example, if a horse kicks a visitor during a barn tour, this coverage can help pay their medical bills and your legal costs if they sue.
Commercial property insurance helps protect the owned or rented buildings you operate from, as well as the tools, equipment and supplies you rely on. These can include:
- Stalls
- Fencing
- Grooming tools
- Hay
- Storage facilities
- Saddles
- Rakes
Business income insurance helps replace your lost income if you can’t operate temporarily because of covered property damage.
It’s important to remember that a BOP won’t cover every kind of claim you may face as you operate your horse business. You might need to get other types of coverage to create well-rounded protection, such as:
How Much Does Equine Insurance Cost?
Equine insurance costs vary because every business faces unique risks. Although The Hartford doesn’t offer coverage for horse-centric businesses, here are the average costs our small business customers pay for common types of insurance. You can use this to help estimate your costs:**
- BOP: $1,687 a year, or about $141 a month
- Stand-alone general liability insurance: $810 a year, or about $68 a month
- Workers’ compensation insurance: $1,032 a year, or $86 a month
- Professional liability insurance: $744 a year, or $62 a month1
Insurance companies may consider several factors when determining your cost, including:
- Number of employees
- Location of your business
- Type of coverage
- Your claims history
- The limits you select for your coverage
To find out your specific equine business insurance costs, get a free quote online through Tivly.
General Liability Insurance
“A guest’s child tripped over a stack of hay and some rakes during a barn tour and broke their arm.”
General liability helps cover claims that your business caused bodily injury or property damage to someone else.
Care, Custody and Control (CCC) Insurance
“A boarder’s horse fell over a hurdle and needed surgery to treat its hoof. The owner sued our business to cover the vet bills.”
Care, custody and control (CCC) insurance helps cover injury, illness or death of horses owned by others while in your care. It’s essential coverage if you ever board or train horses.
Workers’ Compensation Insurance
“One of our grooms was kicked while mucking out a stall, and she needed weeks off to heal.”
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help pay their medical bills and replace lost wages.
Commercial Auto Insurance
“My manager was picking up supplies for our horse stalls when she accidentally backed the company truck into a parked car.”
Commercial auto insurance helps protect your employees on the road when using company-owned vehicles for work. It can help cover bodily injury and property damage claims resulting from an accident your business caused.
Commercial Property Insurance
“A fire in our storage area destroyed the grain bin and damaged the tack room.”
Commercial property insurance helps protect your business' equipment, furniture and inventory from loss or damage caused by events like storms, fires or vandalism.
Equine Mortality Insurance
“Two of our horses suffered a fatal injury during transport. It was an unimaginable loss.”
Equine mortality insurance provides coverage for the death of a horse due to an illness, injury or accident. This insurance can also help protect your horses from theft.
Get a Quote for Equine Insurance Options
Help protect your horses, your property and your peace of mind. Get a quote for equine insurance through Tivly.
Last Updated: January 12, 2026
1 What you pay for professional liability insurance will vary by product, limits chosen and risk class or hazard group associated with your business.
2 The Hartford, “Water and Freezing Damage, Burglary Lead The Hartford’s Top Five Small Business Claims”
3 National Safety Council, “Musculoskeletal Injuries”
4 U.S. Fire Administration, “Nonresidential Fire Estimate Summaries (2014-2023)
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
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