Q: Does the $5,000,000 personal liability insurance provided to me through my membership cover me as the member, or the horses I own?
A: As a member in good standing of NSEF, YOU THE MEMBER are covered for liability that could be imposed upon you by someone else if a horse you own, lease, borrow or use causes bodily injury or property damage to someone else and you are found to be legally responsible. (The injured person cannot sue the horse!).
An example would include, if your horse kicks someone’s car at a horse show and they sue you for property damage, or your horse bites a stranger and they sue you for bodily injury. This is a very important coverage to have because in most cases, your personal liability insurance from your standard homeowner’s policy does not cover you for your equine endeavors.
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