Horse Rescue

Insure Your Horse Rescue Activities for Liability

Horse Rescue is a highly unique activity which is usually carried out by a benevolent non-profit organization, foundation, or entity, but sometimes by an individual.  [We’ll refer to it here as “Rescues” or “The Rescue”] The Rescue provides or facilitates’ shelter, rehabilitation, and re-homing of abused, abandoned, neglected or surrendered horses that come into their care.  Circumstances of acquisition vary, but some horses are voluntarily surrendered when the owners can no longer take care of them, and some are seized through legal proceedings because of improper care and poor condition from owners by agencies such as Animal Control, Animal Authority, County Sheriffs Department, State Bureau of Animal Protection, etc.  Horse Rescues do not usually have any legal authority to investigate or intervene in animal abuse cases.  For protection from liability, it is best if The Rescue is also not involved in assessments of animals that are seized. Those that may be involved with intervention, investigation, and conditions assessment are not insurable under Ark Agency’s liability insurance program.

Care Custody and Control Liability Insurance

Do you have horses in your care that are not owned by or leased to you?  If you handle, train, service, care for, or board non-owned horses, you have a Care, Custody and Control Liability (CCC) exposure.  Liability insurance is available for this and you should carefully consider your need for this insurance protection.  You could be held liable by the horse’s owner or insurer for the value of the horse, plus veterinary and surgical expenses.  You may also require costly legal defense if sued.  This type of coverage insures you against financial loss if a non-owned horse in your care becomes sick, injured or dies and the owner (of their insurance company) attempts to hold you responsible for the loss because of your negligence.  This coverage also provides legal defense whether a case against you has merit or not.

TO APPLY:  When completing your General Liability application, complete the questions relating to Care, Custody and Control Liability, and a quote will be provided as optional coverage along with your GL Premium Indication.  You may also apply for a separate (mono-line) CCC policy. apply.