Am I liable if my horses get out and cause an accident
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UPDATED: Jan 9, 2016
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Insurance Question from Hemlock, MI
Asked on 01/09/2016
Am I liable if my horses get out and cause an accident If I have horses on my property and they get out on a road and cause an accident where someone is injured, am I responsible and subject to a law suit
Answer given on January 11, 2016
If your horses get out of their enclosure and cause an accident or damage to other people’s property, you can be held liable for such damage and accidents and injuries. Your homeowner insurance should protect you in this case, unless the horses are a part of a business. If that is the case you will need to have a special policy, or possibly an endorsement can be added to your homeowner insurance policy.Talk to your insurance agent or company and make sure they know you have horses and if you are boarding other horses, the insurance company should know that too. You can’t just assume that you are covered. You should also be sure that if you are boarding horses that the owners of those horses have insurance in case someone is injured by someone else’s horse. If the horses escape due to a large storm or other catastrophe you may not be liable, but make sure you are covered, just in case.
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