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[RC] insurance - Anna Wolfe

I am just now learning that my ranch insurance, and therefore my umbrella policy, does not cover speed or strength events regarding my horses.  Good grief – I thought that was what an umbrella policy is for – to cover what isn’t otherwise covered.  So if my horse gets loose, or injures anyone at a ride – no coverage.  Have you all found this to be true?  Do you get any additional coverage?  I don’t run a horse business in anyway, but sometimes let others ride my horses, both at home at and at rides.  What do you all do?

 

Anna Wolfe

Des Moines, NM