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United States Equestrian Federation

I would like to thank you for taking the time to talk to me yesterday regarding my deceased mare Picante.
Your credentials are very impressive
and I would certainly feel confident if you were handling Picante’s case.
D. Largeteau,
Axens North America

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Title: "Care, Custody or Control Insurance"
Author: Valeri Buman, NAES


Care, Custody or Control (CCC) insurance is a separate policy from standard Commercial General Liability (CGL) coverage. The purpose of Care, Custody or Control insurance is to provide coverage for anyone working with horses that do not belong to them. This includes those working in the following areas:

- Breeding
- Boarding
- Training
- Showing
- Racing

A stand alone or add-on policy such as this helps fill the void left by standard policies by protecting the individual against any legal liability concerning a non-owned horse in their care. Policies like these can cover the injury or theft of a horse under your “care, custody or control.” However, CCC policies do not always cover the death of a horse.

Before taking custody of someone else’s horse (a) double check the coverage of your policy and (b) make sure the horse’s owner carries mortality coverage on their policy. A CCC policy also does not cover damage done to any people or property by the horse, it only covers the horse itself and defense costs. You can, however, include in your CCC policy transit or hauling coverage.

To be eligible for Care, Custody or Control insurance your property must employ a “normal standard of care.”

This means proper maintenance, adequate and safe construction, proper fencing, etc.

A CCC policy will cover your employees but not independent instructors and trainers that lease time at your facility unless you add them as an independent contractor to your policy.

Always make sure that independent instructors and trainers carry their own liability policies. You can even insist that they add you as an additional insured on their policy. Independent trainers and instructors should know that their policies follow them to whichever facility they are working at if they contract with multiple facilities at a time. Care, custody or control coverage does not apply to any horses that you own or lease.

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