Care, Custody, and Control Equine Insurance
Protection for the horses you don’t own, but are entrusted to you.
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What is Care, Custody and Control
Equine Insurance?
When you work with horses owned by other people, you carry a unique responsibility. Training, boarding, transporting, or even exercising client horses means those animals are in your care, and their owners are trusting you with something irreplaceable.Care, Custody, and Control (CCC) Equine Insurance exists for these moments. It protects professionals and businesses from the financial risk of injury, illness, or death of a horse that does not belong to them.
Standard liability policies typically exclude non-owned horses, leaving a gap that can put you in an impossible position when something goes wrong. CCC coverage is designed to fill that gap so you can operate with confidence.
Why You Need Comprehensive Equine Care, Custody and Control Insurance Coverage
Even the most experienced professionals know accidents happen. A horse can slip in the trailer, colic overnight in a boarding stall, or sustain an injury in a training session. If that horse belongs to a client, you could face steep veterinary bills, claims for loss of use, or even litigation.
This policy protects you from devastating financial exposure. CCC insurance coverage ensures you have the resources to address the situation responsibly and maintain your business’s stability. Beyond finances, it helps preserve your reputation by showing owners you are prepared to take accountability when the unexpected occurs.
The Responsibility of Caring for Another’s Horse
When someone leaves their horse in your care, it’s more than a transaction. It’s a relationship built on trust and expectation. Owners rely on you to keep their horse safe and to handle emergencies with integrity.
CCC equine insurance coverage honors that trust. It gives you the means to respond decisively if something goes wrong. Whether you’re arranging life-saving veterinary treatment or addressing a tragic loss, you can act without hesitation knowing you’re protected.
The Financial Ripple Effect of One Incident
An incident involving a client-owned horse doesn’t just affect the animal and its owner. It can halt lessons, boarding income, and training schedules, creating a financial ripple effect throughout your business. CCC coverage provides the security you need to keep your operations running even when a major claim arises.
It’s not just one scenario. CCC coverage addresses a range of risks professionals face when working with non-owned horses:
Injury or Death of Non-Owned Horses
Protection if a client’s horse is injured or dies while in your care, regardless of fault.
Medical and Veterinary Expenses
Coverage for necessary veterinary care after an accident, illness, or injury.
Theft or Escape
Financial support if a horse escapes your facility or is stolen while in your custody.
Loss of Use
Compensation if a horse can no longer perform its intended purpose due to an injury sustained in your care.
Legal Defense Costs
Coverage for attorney fees and related costs if you are sued following an incident.
Property Damage Caused by Non-Owned Horses
Protection if a client horse damages third-party property while you are responsible for it.
Equine CCC insurance coverage is essential for any professional or business working with horses they do not own:
Trainers
Particularly those working with performance or show horses where the stakes (and values) are high.
Facilities caring for multiple client-owned horses daily.
Hauling horses for owners, trainers, or sales programs.
Horses used for instruction often belong to clients or other third parties.
These horses may be recovering from injury and are often more vulnerable to complications.
Isn’t this covered under my general liability policy?
No. Standard liability policies typically exclude horses you do not own. CCC coverage is designed specifically for those gaps.
Does this policy cover vet bills if a horse is injured in my care?
Yes. It can cover reasonable veterinary expenses if a horse is injured, becomes ill, or needs emergency treatment while under your supervision.
What if the owner signed a liability waiver?
Liability waivers are helpful but not infallible. They can be challenged in court and do not pay for actual damages. CCC insurance protects you even when waivers fall short.
Does this cover horses being transported?
Yes. If you haul client horses to shows, clinics, sales, or veterinary appointments, CCC insurance can protect you from liability for injuries or accidents during transport.
Can this policy be customized for my operation?
Absolutely. We tailor coverage limits and terms to fit the size of your business, the number of horses in your care, and the value of those animals.
How do I start a claim?
Contact us as soon as possible. We’ll walk you through the process, including necessary documentation like veterinary records, incident details, and proof of expenses.