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Horse Owner Liability Insurance: A Brief Overview

  • Responsibility of Horse Owners: As the owner, you are liable without limitation for all personal injury, property damage, and financial loss caused by your horse — even if you are not at fault.
  • On Your Side: Allianz horse owner liability insurance protects you from financial risks, covers legitimate claims for damages, and defends against unjustified claims — even in court.
  • Comprehensive Coverage: Also covered are co-owners, co-keepers, guardians, riders, or individuals with riding participation agreements.

The services at a glance

This is what Allianz Horse Liability Insurance offers you

  • Personal injury, property damage, and financial loss: In the event of a claim, horse owner liability insurance assesses whether and to what extent compensation is payable, covers legitimate claims for damages, and defends against unjustified liability claims on your behalf, even in court if necessary.
  • Rental property damage: We cover damage to rented or leased properties and parts thereof, such as stables, horse boxes, and paddock fences, unless the damage is due to normal wear and tear, or excessive use. Rental property damage to horse trailers and riding equipment is also insured.
  • Claims default cover: If you suffer personal injury or property damage caused by a third party's horse, which the owner of the animal causing the damage cannot compensate due to insolvency or lack of insurance, Allianz will cover your claims.
  • Overseas coverage: Allianz Horse Owners' Liability Insurance provides 24-hour, unlimited coverage, even for temporary (not planned) stays abroad.
  • Co-insured persons: With Allianz Horse Owner Liability Insurance, not only are you covered as the horse owner and policyholder. Non-commercial co-owners, co-keepers, riding partners, guardians, guest riders, or third-party riders are also covered.

Episode 25: Pet Owner Liability Insurance

Protection for horse and dog owners

Our four-legged friends, no matter how well-trained they are, can cause the odd mishap. Allianz Pet Owner Liability Insurance is designed to cover these situations. In this episode, we explain why it makes absolute sense for dog and horse owners.

Listen to the podcast on Spotify