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Insurance

     

Q14)  Should I have Commercial or Personal Liability?

Horse owners should not assume that their homeowner's policy covers the horses they own - even if those horses are literally in the backyard. Each horse owner should determine whether he or she is liable for a horse-related claim, and then should add appropriate insurance (farm or livestock liability coverage).

An individual leasing a horse should also take out such a policy, because the legal implications of a lease expose the leasing party to the same liability that affects the actual owner of the horse.

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