You are here

Excess Liability Policy

    Coverage Summary

    The more you have, the more you are at risk. A Commercial Excess policy is the extra protection you need for peace of mind. Excess Limits coverage protects you from lawsuits that result from injuries others sustain as a result of an accident involving your covered equine activities. Judgments from these lawsuits can exceed the liability limits on your underlying insurance, especially if there is a critical injury or loss of life.  The excess liability policy works by providing additional liability limits over and above the primary coverage, on terms that mirror the underlying insurance. This coverage does not increase the limit of Equine Professional Liability or Care, Custody or Control coverage parts, nor does it extend to provide additional limits over any policies other than the underlying Commercial Equine Liability policy issued through United National Group.

    Eligible Activities

    These liability coverages provide vital protection for individuals, stable owners, trainers, instructors and for people in the horse business.  Examples include the following:

    • Boarding
    • Breeding
    • Training
    • Lessons
    • Individual Riding Instructors
    • Equestrian Day Camps
    • Race Horse Trainers
    • Clinics
    • Horse Shows
    • Horse Clubs & Associations 

    Limits Offered

    The limits shown below are offered in conjunction with a qualifying underlying liability policy with a minimum limit per occurrence of $1,000,000.

    • $1,000,000
    • $2,000,000
    • $3,000,000
    • $4,000,000
    • $5,000,000

    Get More Information

    Coverage descriptions are for general information only. Please refer to actual policy wordings for a full explanation of coverages.