Optimal protection for horse owners
Comprehensive equine liability insurance from nextsure: Protect yourself and your horse digitally against financial risks. Learn more & sign up now!
Top value for money
Digital Processing
Immediate Protection
Why horse owner liability insurance is essential: Basics and risks
Legal Liability
High damage amounts
Protection against existential threats
Statutory requirement in some federal states
Detailed scope of services: What does the equine owner's liability insurance cover?
The equine liability insurance from nextsure offers comprehensive protection against damages caused by your horse to third parties. At its core, it covers personal injury, property damage, and financial losses. **Personal injury** occurs when people are injured by your horse, whether through a kick, bite, or riding accident. The insurance covers treatment costs, compensation, or even pension payments. **Property damage** includes the damage or destruction of others' property, such as when your horse damages a stranger's car, tramples fences, or causes ground damage on someone else's pasture. Rental property damage to leased stables, riding arenas, or horse trailers is also often included. **Financial losses** are financial disadvantages that do not result directly from personal injury or property damage, such as loss of earnings for an injured person. Important inclusions often provide cover for riding participation and guest riders, participation in competitions, unintended breeding, and protection for foals up to a certain age. Review the specific terms of your policy at nextsure to ensure optimal protection for your individual situation. A high sum insured is essential in this regard.
Our Services
Equine Liability Insurance in Detail
Personal injuries
Coverage for injury to third parties caused by your horse.
Property damage
Full coverage for damage to third-party property.
Property damage
Protection against financial disadvantages for third parties.
Horse share
Comprehensive insurance for shared horse riding and external riders.
Tenant property damage
Damage to boxes, halls, trailers covered.
Field damage
Coverage for damages on foreign pastures.
International Protection
Temporary protection when travelling abroad with a horse.
Tournament risk
Insurance coverage when participating in equestrian sports tournaments.
Foal protection
Co-insurance of foals possible according to conditions.
Your protection as a horse owner with nextsure.
Easy in the saddle
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Limits of coverage: What types of damage are typically not covered?
Although an equine liability insurance offers extensive protection, there are certain scenarios and damages that are typically not covered or only covered under certain conditions. A central exclusion concerns **damage to your own horse**. If your horse injures itself or falls ill, the equine liability insurance does not apply – special equine surgical or health insurances are responsible for this. Similarly, **damages that you as the owner suffer**, for example, if you fall from your own horse without external influence, are usually not covered. **Deliberately caused damage** is generally excluded from any insurance cover. Damage arising from the commercial use of the horse (e.g. riding school operation) often requires separate business liability insurance. Furthermore, damage due to wear and tear on rented items can be excluded. For **races or high-risk events** that go beyond normal tournaments, insurance cover may be limited. Please read the terms and conditions of your nextsure policy carefully.
Riding shares and external riders: Who is insured and when?
The insurance of riding partnerships and external riders is a crucial aspect of equine liability insurance. As a horse owner, you are generally liable for any damages caused by your horse, regardless of who is handling the horse at the time of damage. A good equine liability insurance policy, like the one from nextsure, therefore includes coverage for damages caused by a **riding partner** or an **external rider**. The insurance then covers personal, property, and financial damages to third parties caused by the horse under the supervision of the riding partner or external rider. It is advisable to name the riding partner in the insurance contract if necessary, or at least to establish a clear contractual agreement. Be mindful of limitations regarding the frequency of use by external riders or whether claims by the riding partner against the owner are also insured.
Rental property damage: Protection for damage to stall boxes, pastures, or horse trailers
Rental property damages are an often underestimated risk for horse owners. A comprehensive equestrian liability insurance from nextsure should therefore also cover damages to rented or borrowed items. Typical examples include damage to the rented horse stable, the riding hall, pasture fences, or rented horse trailers. Without appropriate insurance coverage, you would have to bear these costs yourself. When choosing your equestrian liability insurance, pay attention to the insurance sum for rental property damages and which types of rented items are specifically covered. Sometimes, there are deductibles specifically for rental property damages. The inclusion of rental property damages is an important component for a worry-free experience with your horse.
Protection for the Young Ones: Insurance Coverage for Foals and Young Horses
Foals and young horses are often particularly playful, which can increase the risk of damage. A good equine liability insurance takes this into account. Typically, **foals up to a certain age** (e.g., up to the end of their first year) are included in the mother animal's policy at no extra cost. This often applies to young horses that are not yet ridden. Once the young horse reaches a certain age or starts to be ridden, a separate policy or adjustment is necessary. Find out about the exact conditions at nextsure. Protection against **unwanted breeding** is also important. If your stallion or mare unintentionally produces offspring, liability claims resulting from this can be covered by equine liability insurance.
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Internationally on the move: Does the insurance cover also apply abroad and at tournaments?
For many horse owners, trips abroad or participating in tournaments are a regular occurrence. Most policies, including those from nextsure, offer **limited overseas coverage**, often Europe-wide, for holidays or short stays. The exact duration and geographical scope are defined in the insurance terms and conditions. Participation in **tournaments or horse shows** is generally also covered, as long as it does not involve professional racing or particularly high-risk disciplines. The coverage includes damages during transport, at the tournament venue or during the event. Pay attention to the details in your contract to enjoy equestrian activities worry-free.
Choosing the Right Sum Insured: Why Millions Make Sense
The choice of the right coverage amount is crucial. It determines the maximum amount the insurer will pay in the event of a claim. **Coverage amounts in the millions (e.g., 10, 15, 20 or 50 million euros)** are highly recommended and standard in the market. The reason lies in the potential high value of damages, especially in cases of personal injury. If your horse causes a serious accident, costs for treatment, rehabilitation, damages, and pension payments can quickly reach millions. If the coverage amount is too low, you are liable with your personal assets. A sufficiently high coverage amount protects you from financial ruin. The additional costs for this are often small in comparison to the risk. nextsure is happy to advise you.
Comparing and choosing tariffs: What to consider for equine liability insurance
A careful comparison of horse liability insurance rates is essential. Don't just focus on the premium, but particularly on the **scope of coverage**. Important criteria include: the amount of the **sum insured** (at least 10 million Euros), inclusion of **riding participation and guest riders**, inclusion of **rented property damage** (stable box, riding hall, trailer) and their total. Check whether **damage to the land** is covered. The inclusion of **foals**, cover for **unintended mating**, and protection during **international stays and competitions** are relevant. Pay attention to the amount of any **deductible** and whether **claim default coverage** is included. Digital insurers like nextsure offer transparent comparisons and simple online processing.
Is a horse owner's liability insurance legally required?
nextsure combines comprehensive protection with modern, digital processing of your equine liability insurance as a digital insurance portal. A significant advantage is the **fully digitised completion process**: calculate, compare, and complete online – without paperwork. Our platform offers **transparent tariff information** and clear performance overviews. Thanks to our focus on niche insurance, you benefit from **tailor-made solutions**. The digital contract management allows you access to your documents at any time and uncomplicated communication in case of a claim. nextsure relies on **SEO-optimised content and expert advice**. Benefit from niche expertise, digital efficiency, and a fair price-performance ratio.
