Equine liability insurance guidance
Learn what to ask about coverage for sharing, leasing, and riding arrangements. ShareMyHorse introduces owners and riders; it does not sell or underwrite insurance. Choose a state or province below for regulator and provider links. Confirm current licensing, product availability, and policy terms directly; these links are informational and unpaid.
Three questions to ask about equine liability
Does your existing policy apply?
Homeowner, tenant, and condo policies vary. Ask your insurer whether equine activities, guest riders, off-premises incidents, and defence costs are included or excluded for your particular arrangement.
What legal risks remain?
Equine activity laws differ by jurisdiction and may limit some claims, but do not replace appropriate coverage. Ask a qualified local adviser how the law and policy wording apply to your situation.
Check Canadian membership coverage
Some provincial equestrian memberships include insurance benefits. Limits, eligibility, and exclusions vary. Ask the federation or insurer whether the current policy covers your specific activities and any exchange of services. Membership benefits are not a substitute for checking a separate business policy.
Insurance resources by region
Choose a state or province to find its regulator and insurer or broker websites. These links are unpaid, alphabetical, and included because each organization describes equine insurance on its own site. We do not rank providers, check individual policies, or receive a referral fee.
Select a region to see its regulator and provider links.
Equine insurance questions
Plain-English answers to the questions that come up most when sharing or exercising a horse.
What is private horse owner liability (PHOL)?
PHOL is a product category often offered to horse owners. Ask a licensed provider whether a proposed policy covers third-party injury or property damage, and whether boarding, shows, or another rider change the answer. The policy wording controls.
Does the rider need their own policy?
Possibly. Do not assume an owner's policy protects a separate rider. Ask whether the rider has coverage under their own policy, a non-owned horse product, or a membership benefit, and confirm the exact activity and limits before relying on it.
Does ShareMyHorse provide insurance?
No. ShareMyHorse is a software platform that introduces owners and riders. It does not underwrite, sell or broker insurance. The resource links above are unpaid and are not recommendations or endorsements.
Is a chore swap commercial use?
A chore swap or other exchange of value can affect how a policy applies. Ask your insurer about the exact arrangement, including chores, reduced board, or riding in exchange for services. Do not assume that a personal or membership policy covers it.
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