Equine Workers Compensation Insurance

What Is Equine Worker’s Compensation Insurance?

The Barn Foreman’s truck gets into an accident on the way to the feed store, but he’s OK to come back to work the following day. While preparing for a major competition, a seasoned dressage trainer is thrown from her horse and fractures her arm. She is unable to return to full duty until the cast is removed. One of our grooms is kicked in the knee while tending to a lame horse’s hoof and has to take a week off. A Stablehand breaks his back and neck after falling from a ladder while fixing the roof of a barn.

  • Worker’s compensation insurance is designed to help pay for medical expenses, lost wages, and funeral costs for injured or killed workers. Employers are required to have Worker’s Compensation insurance for the safety of their staff. Injured workers can collect payments under the Workers’ Compensation system.
  • When an employee suffers an injury or sickness as a direct result of their employment, the employer is obligated by workman’s compensation legislation to provide financial benefits provided by the insurer on the employer’s behalf to cover things like missed wages, medical bills, and rehabilitation. Injuries sustained by employees while on the job or when entering or leaving the workplace are the employer’s responsibility.
  • Workers who sustain injuries are entitled to prompt and reliable compensation through the Workers’ Compensation system, regardless of who is at blame between the company and the employee. In exchange, they may waive their claims for compensation in the event of an injury that was not caused by the employer’s intentional misconduct.

Employers also benefit from worker protection laws that restrict their legal responsibility for on-the-job injuries and illnesses, but not for violations that result in monetary penalties from organizations like OSHA (Occupational Safety & Health Administration). Benefits for an injured worker are often paid out under worker’s compensation insurance regardless of who was to blame for the injury. However, in many cases, workers must waive their right to sue their employers for compensation to get benefits after suffering an injury.

How Do Employers Provide Equine Workman’s Compensation coverage?

Businesses purchase insurance from either private insurance companies (either directly or through an insurance broker) or a state insurance pool. The percentage of an employee’s salary that goes to the insurance company is set by the employer and depends on the employee’s occupational classification.

For instance, a barn manager who oversees the care of horses and agricultural equipment will incur more Worker’s Compensation costs than an office manager who does similar tasks but seldom leaves the building.

  • The annual cost can range from the tens of thousands to tens of millions of dollars, with the exact amount varying based on the number of workers in high-injury-risk occupations.
  • Worker’s Compensation insurance covers injured workers, and their employers are spared the financial burden of covering their medical bills.
  • Self-insured businesses have some or all of their insurance risks paid for by the business itself, but an insurance carrier still handles the claims procedure.

Instead of acquiring and paying premiums for worker’s compensation insurance, a company opts to pay for all employee medical expenditures related to on-the-job injuries. Worker’s compensation insurance is mandatory in every state. Neither Texas nor New Jersey mandate that businesses have workers’ compensation coverage.

What Coverages Can Be Added to Your Equine Workers Compensation Insurance?

  • Business Risks Associated with Horses – This insurance shields you from lawsuits filed by third parties for personal injury/property damage if your company involves training, offering riding lessons, boarding, breeding, racing, or selling horses. Instructors and personal trainers can also get Professional Liability insurance with us.
  • Responsibility, Protection, and Authority – Care, Custody, and Control insurance is designed to protect those who board, train, or produce horses for others against claims of negligence and the costs associated with fighting against those claims.
  • Equine Farming Program – This policy bundles together property and liability protection for equestrian facility owners.
  • Compensation for Horse Farm Employees – Pays for medical expenses, missed earnings, and other losses suffered by workers at Equine Farms due to injuries or illnesses sustained on the job. If you have any questions, feel free to contact us.
  • Personal Responsibility of Horse Owners – Private Horse Owner Liability Insurance will cover you if your horse causes physical harm or damage to a third party, on or off your property, and you are sued as a result.
  • Business Excess Liability Insurance – The company offers Farm and Ranch/Excess Liability insurance to those with an existing policy with LSI. Its primary function is to shield the policyholder against financial losses over those covered by standard homeowner’s, vehicle, or agricultural policies.
  • Groups Dedicated to the Equestrian Community – In the event of a lawsuit, horse clubs require a defence. Our liability insurance may give clubs the peace of mind they need while hosting events on a club-owned or rented property when the general public is invited and at other club-sponsored events.


Aside from a few key exceptions, most states mandate that businesses buy insurance to cover their legal responsibilities to employees who become ill or injured on the job. Workers’ comp insurance is sometimes required by law or contract terms. One such example is the need for workers’ compensation insurance for harness racing drivers and trainers in several jurisdictions.

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