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Horse Insurance 

Whether you own horses for pleasure, supply board, train, breed, or offer riding lessons, there are hazards and perils associated with this ownership. Incidents can occur as a result of accidents, injury, negligence, or acts of nature.

In order to protect yourself, your property, your horses and the possibility of being sued, an equine insurance package is a definite must.

Equestrian Liability Insurance

By law, a horse owner is responsible for any property damage, injury or accident that their horse may cause. This can be both on and off their own premises.  This means that an injured party has the right to seek monetary compensation from you as a result of your horse’s actions. Equine insurance will protect you and your family from financial losses; not many people can afford to hand over thousands of dollars out of pocket. Such instances would include if your horse were to bite, kick, throw a rider, or if your horse manages to escape onto a road and cause an automobile accident. Additionally, you can be held liable if something happens to someone else’s horse that is under your care.

Insurance protection for your horse

Equine insurance can also protect the financial investment that you have put into your horses. If your horse has been injured or becomes sick, coverage is available to help with the unexpected medical expenses that may be incurred. The options are many, veterinarian bills, medicine, x rays and MRI’s, extra expenses, loss of use, to name a few. 

Equine Equipment Coverage

Westland’s Equestrian Insurance Package not only protects your horses, but also any equipment necessary for the health, upkeep, and protection of these animals. This includes tack, sheds, barns, machinery, hay and feed, as well as any other equipment associated with your horses.

Equestrian Coverage tailored for:

  • Equestrian facilities
  • Farms (Dwellings and Outbuildings)
  • Individual Horse Owners
  • Breeders
  • Trainers
  • Coaches
  • Equestrian First Aid Instructors
  • Boarding
  • Horse Mortality

At Westland Insurance Group, we have designed a program with exclusive discounts and products for horse association members* that will address the specific insurance requirements of horse owners. Whether you are an owner of the property or a tenant we specialize in alleviating the stress and concerns associated with the responsibilities of raising and caring for horses. All details, big and small, are thoroughly explained so that you leave with peace of mind, knowing that we are there for you – 24/7, in case you have any questions, concerns, or need to file a claim


For more information about Equestrian Insurance, contact our Equestrian Insurance Specialists at or call us toll free at 1-800-899-3093.


 * Eligible associations include, but are not limited to, Horse Council of BC (HCBC), Alberta Horse Council, Equine Canada (EC), Canadian Warmblood Horse Breeder Association (CWHBA). British Columbia Hunter Jumper Association (BCHJA). For a complete list of eligible associations please contact an Equestrian Insurance Specialist.