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Commercial General Liability for Horse Operations

Tailored coverage for the equine enthusiast
If you own, board, breed, train, race or sell horses, we need to talk.

Commercial General Liability for Horses (CGL)
A CGL policy is designed to cover many situations involving horses. It can help protect you from claims brought against you as a result of your horse operation. CGL coverage applies to the specialized needs of operations involving horse-drawn carriages, sleighs, hay rides, pony rides and more.

Look to ANPAC® as the source for your equine insurance needs, including:

Property Coverage

  • Residences
  • Barns
  • Hay and Grain
  • Farm Products and Supplies
  • Tack
  • Farm Machinery

Liability Coverage

  • Shows
  • Clinics
  • Riding Instruction
  • Boarding Liability
  • Care, Custody and Control
  • Hay and Sleigh Rides
  • Carriage and Buggy Rides

Special Farm Package 10® (SFP 10®)
One of the cornerstones of ANPAC®'s coverage is our SFP 10® policy, providing effective yet flexible property and casualty coverage relevant to horse operations of varying sizes and scope. A number of coverage options ensures you're getting just the right amount of coverage you want.

Major SFP 10®coverage categories include:

  • Residences and Household Contents
  • Buildings and Building Contents
  • Farm Personal Property
  • Scheduled Personal Property
  • Liability

Tack and other equestrian equipment can be included under the SFP 10® policy.

Care, Custody and Control
An optional coverage on our SFP 10® policy, - Care, Custody and Control - provides protection in the event that someone else's animal dies or suffers an injury while in your care, and you are held legally responsible.

While many people assume that these situations are covered by standard liability insurance, the fact is that many liability policies contain a provision which excludes this important coverage. ANPAC® offers this coverage under an optional endorsement.

American National Property & Casualty Company (ANPAC®) provides a full range of coverages, including policies tailored to the specific needs of horse enthusiasts. Whether you breed horses as a profession, or board them for recreation, we can advise you on the right type of coverages to best protect your interests.

Reviewing your coverages costs nothing. Not reviewing it, could cost you everything.


All products, coverages, and options are not available in all states, and eligibility requirements will apply. Products and services referenced in this Web site are provided through multiple companies. Each company has financial responsibility only for its own products and services, and is not responsible for the products and services provided by the other companies.

Personal lines and commercial products and services are made available through American National Multiple Line Exclusive Agents and may be underwritten by American National Property And Casualty Company (ANPAC(R)), Springfield, Missouri or one of its subsidiaries or affiliates: American National General Insurance Company; Pacific Property And Casualty Company (California residents); ANPAC Louisiana Insurance Company (Louisiana residents); American National Lloyds Insurance Company and American National County Mutual Insurance Company (Texas residents). Life insurance and fixed annuity products are issued through American National Insurance Company, Galveston, Texas.

Disability Income products and services are issued by Illinois Mutual Life Insurance Company, Peoria, IL.

Tax issues that may be discussed are subject to change, and this is for your information only. Discussion of such issues does not constitute tax or legal advice. Please consult your tax advisor, attorney or CPA for guidance on all tax matters.

These brief descriptions of coverages available are for illustration purposes only, and are not intended as a statement of contract. For actual terms and conditions of coverage provided, refer to your insurance policy. For more information about coverage options and availability, talk to your American National agent. American National Family of Companies reserves the right to discontinue programs at any time.

This site may have links to other sites not maintained by American National Insurance Company, its subsidiaries or affiliates. Such links do not imply endorsement or approval of these sites or the content therein by American National, its subsidiaries or affiliates.

As of 9/29/09