Carriage Liability Insurance

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  • *Coverage not available in FL & CA

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About Carriage Insurance from Ruhl Insurance

A horse and carriage always draws attention from the public. This is a primary reason the insurance industry views this differently from other ventures involving "farm animals." Nearly all conventional insurance policies, (homeowners, farmowners, commercial general liability policies) will not provide liability protection for horse and carriage operations that are charging a fee for their services. If a fee is charged, it is viewed as a business venture and needs a special Liability Policy.

A State Equine Liability Law does not eliminate or replace the need for a Liability Policy. The carriage operator may still be held liable and the insurance policy is the tool that will provide their defense. Ruhl Insurance is a leader in all aspects of Equine exposures due to personal involvement with the horse community.