Excess Liability Insurance

This $1,000,000 Excess Liability Insurance policy is an optional member benefit.  Become an individual member of WHC and choose this valuable protection today.

The value of this benefit is tremendous!  Cost of equine liability insurance is estimated to range from $300 to $400 per year to the average horse owner...if purchased individually.

Wisconsin Horse Council Individual Membership Cost w/ Excess Liability Insurance:  only $40 per year.
If an owner’s horse hurts someone or damages someone’s property, the rider and owner can be held responsible for the damages.  Even if  proven not liable, you could incur considerable legal defense costs. Seldom is equine liability insurance extended from homeowners policies. $1,000,000 Equine Excess Personal  Liability Insurance is an optional benefit available with an Individual or Family membership with the Wisconsin Horse Council.

Frequently Asked Questions (PDF)

Coverage Highlights

*Legal liability which may result from an accident or occurrence involving a WHC Member’s horse or horse-drawn vehicle.  Protection is provided for the negligence arising out of the use, or ownership, which may cause accidental bodily injury or property damage, including damage to another horse.

*Protection is provided if you are performing or competing in horse shows, clinics or demonstrations.

*Damages caused by a horse while grazing, stabled, or where the horse is not in the control of the Member.

*Defense and legal costs affiliated or in connection with any claim.

*Coverage is included for the Member giving permission to any person to use his horse or horse-drawn vehicle.

*Protection is considered “excess” over any valid and/or collectable insurance (i.e. farm, home, etc.)  For Members without primary policies the excess liability will be considered “primary”.

*Children under 18 years of age are covered under a parent’s policy.

*Any horse, pony or mule is considered eligible under the terms and condition of the policy.

*You do not have to be a Wisconsin resident to become a WHC individual member and get this protection.

*Business and professional pursuits, rodeo, and racing exposures are excluded.

*Coverage is provided through Equisure, Inc., one of the nation’s leading equine insurance specialists, and underwritten at Lloyd’s, London.

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Announcements and Notices


The WHC Office hours are Monday-Friday, 8 a.m. - 4 p.m.


WHC Calendar of Upcoming Events

Want to know what equine related events and activities are going on in your area? Please click on the heading above to access a list of up-coming events and a form that you can complete and send to us to have your equine related activity added to this new calendar!

WHC Classified Ads

Exclusively for Wisconsin Horse Council members........

We are offering FREE classified ads on our website and in the newsletter!

Recreational Trail Aids (RTA) Program

This is a federal program administered in all states. Municipal governments and incorporated organizations are eligible to receive reimbursement for development and maintenance of recreational trails and trail-related facilities for both motorized and non-motorized recreational trail uses.

Legal Transportation of Horses Across State Lines

WHC would like to share this important information with you courtesy of TheHorse.com. Please click here to access this excellent article.

Attention All WHC Members

Important information for all WHC Members! Please click below to read the details.

Great News for WHC Members!

Did you know that if you are a member of the Wisconsin Horse Council (WHC), you are also eligible for the American Horse Council's (AHC) Advantage Plan?


New! Business Card Advertisements!

Wisconsin Horse Council | P.O. Box 72 | 121 S. Ludington St. | Columbus, WI 53925
Monday-Friday - 8:00 a.m. - 4:00 p.m. | Phone: 920-623-0393 | E-mail: info@wisconsinhorsecouncil.org | Form login