Farrier Liability Coverage

Farrier’s Business Liability:

This program begins with a broad array of liability coverage vital to the operation of your business. In addition to being covered against liability risks specifically associated with the farrier activity you are also covered in such areas as product liability, property damage liability and legal services.  Coverage can also be extended to independent contractors and farrier’s helpers.

Completed Operations:

Coverage is included for claims and legal judgments due to bodily injury or property damage caused by work you have performed.  For example: a shoe comes off two or three days after it is put on, resulting in injuries to the horse and rider.

Business Property:

Business property insurance covers the physical parts or your business. These are things like your building, equipment, furnishings, fixtures, inventory, computers, records and other valuable items. This coverage helps repair or replace the building and its contents, and can also help provide income if your business can’t operate for a while after a covered loss.

Equipment & Supplies Floater:

The policy offers standard limits of $1,000, $2,500 or $5,000 with a $500 deductible per claim.  This coverage provides protection for loss or damage to your transportable inventory of horse shoes, tools and supplies that are used in connection with your farrier practice.  Theft is covered but please refer to the policy for  specific details on other perils covered.

Care,Custody and Control Liability:

This insurance is essential for every farrier  business as you are responsible for other people’s horses while working with them. The policy pays all sums you are legally obligated to pay others for damage to horses in your care, custody or control.  Standard limits of $5,000, $10,000 or $25,000.  This important benefit picks up coverage for injury  to any non-owned horse as a result of your negligence as Farrier while the horse is in your care, custody and control.

This coverage does not apply to horses you own or lease, which typically are covered by a mortality policy. Almost all general liability policies exclude coverage for injury or death to any animal in your care, custody or control.  Our CC&C policy will defend and protect you against claims for negligent loss. 

Farrier Safety Guidelines
A farrier's routine work is primarily hoof trimming and shoeing. In ordinary cases, it is important to
trim each hoof so it retains its proper orientation to the ground. If the animal has a heavy work load,
works on abrasive footing, needs additional traction, or has pathological changes in the hoof, then
shoes may be required.
Additional tasks for the farrier include dealing with injured or diseased hooves and application of
special shoes for racing, training or "cosmetic" purposes. Horses with certain diseases or injuries
may need remedial procedures for their hooves, or need special shoes
The hazards associated with the horse shoeing is the topic of this resource and they should not be
underestimated. The potential for accidents in a trade which involves working with large horses and hot
metal, cannot not be overstated.
1. Work area should be a minimum of 12 feet by 18 feet. Clear barn area away from traffic and
distractions. Crossties in an area where there are no restrictions front or back is permissable.
2. Area should be well lighted and ventilated
3. Avoid cluttered areas with tack boxes, saddle racks, grooming and feed bins.
4. Use a properly fitted, sound halter with a good rope of adequate length.
5. Farrier assistant should be experienced with horses and have ability to anticipate and control
horse reactions. He should be instructed to advise the farrier before taking any disciplinary
6. Farrier assistant should never stand directly in front of the hores. He should be positioned near
the shoulder on the same side as the farrier is working.
7. Fly spray should be used prior to farrier arrival and while horse is being shod.
8. Use a nose or lip chain when necessary, but only if you are familiar with using a chain in
this manner.
9. Farrier and assistant should always wear close toed shoes. Steel toe reinforced should be given
serious consideration.
10. Refrain from scheduling appointments near feeded times.
11. Make sure barn dogs are confined or on leads and kept away from working area.