Farm & Equine Liability Insurance in South Carolina
Owning or operating a farm with horses, livestock, or public access presents a unique set of liability risks. From injuries involving animals to accidents during farm activities or events, a general liability policy may not provide the level of protection required. Farm and equine liability insurance can help cover legal and medical costs if someone is injured or property is damaged due to your farming operations or animal-related activities.
Hutson-Etherredge Companies works with South Carolina farm owners, horse owners, and equine professionals to arrange liability protection that helps fit the demands of rural properties and animal-related businesses.
What Does This Insurance Cover?
Third-party bodily injury
Covers medical expenses and legal claims if someone is injured by a horse, your farm operations, or on your property.
Property damage liability
Pays for damage caused by your animals or farming operations to another person’s property.
Equine business activities
Covers riding instruction, boarding, training, or breeding if someone files a claim related to those services.
Events and shows
Extends protection to claims that may arise during horse shows, trail rides, or similar events held on or off your farm.
Legal defense
Includes court costs, attorney fees, and settlements if a claim is made against you.
Why You Need It
Standard farm or homeowners insurance may not apply
Animal-related activities and farm operations often require separate coverage to avoid coverage gaps.
Protects against injury claims
Whether someone is visiting your farm or participating in a lesson or event, liability claims can happen unexpectedly.
Required for many equine and agricultural operations
Boarding barns, breeders, instructors, and trail ride operators often need this coverage to operate legally or contractually.
Frequently Asked Questions
Is this policy only for commercial farms?
No. Private farm and horse owners can benefit from this coverage, especially if they allow visitors or host events.
Does this replace a homeowners or farm policy?
No. This is separate liability protection focused on animal-related and operational risks. It can be added alongside other coverage.
What if I board other people’s horses?
If you board, train, or breed horses for others, you may need additional liability protection specific to those services.
Get a Quote for Farm & Equine Liability Insurance
Protect your land, your animals, and your peace of mind with liability coverage designed for the risks of rural and equine life. Hutson-Etherredge Companies can help you put the right protection in place.
Call us at
803-649-5141
or request a free quote online.