Horse Owner Liability Insurance
Top protection for your clients – apply for pet owner liability insurance now!
The Best Pet Liability Insurance on the Market
Riding strong for years
Thanks to the long-standing expertise of our product management and, not least, the active involvement of our partners in product development, PHÖNIX products rank among the most powerful plans on the German market!
The Best Pet Liability Insurance on the Market
Strong protection at a fair price
Your clients can get solid and comprehensive insurance coverage for a horse starting at just €75.60 per year! For around €15 more, the Premium plan offers additional benefits, such as our Guarantee Package, which ensures claims are settled under the best conditions available on the market.
The Best Pet Liability Insurance on the Market
Comprehensive protection for the owner, riding partners, and other riders
Is your client part of a horse-sharing group or do they have riding partners who regularly ride the horse? Then, they—as well as any external or guest riders—are covered under both plans. This way, our product protects your client against liability claims, no matter who is riding their four-legged companion.
Coverage Highlights
Included
Covered up to €5,000; item may be max. 24 months old (electronics and glasses 6 months)
€50,000,000
Compensation up to the awarded amount within the agreed coverage limit
Covered
Covered up to €50,000
Covered
Covered
Covered
Covered up to €22,000 annual revenue
Covered
Covered
Covered
Covered
Foals up to 18 months old of the insured parent horse
Covered
Covered up to the coverage limit
Covered up to €5,000
Covered (subsidiary coverage)
Damage to third-party vehicles that are rented, borrowed, leased up to €1,000
Unlimited
Max. 5 years (residing in Germany)
No
No
€30,000,000
Compensation up to the awarded amount within the agreed coverage limit
Covered
No
Covered
Covered
Covered
Covered up to €6,000 annual revenue
Covered
Covered
Covered
Covered
Foals up to 12 months old of the insured parent horse
Covered
Covered up to €20,000
No
No
No
Unlimited
Max. 3 years (residing in Germany)
Scope of Coverage | Horse Owner Liability Insurance Premium | Horse Owner Liability Insurance Exklusiv |
|---|---|---|
Best-in-Class Guarantee | Included | No |
Replacement Value Compensation | Covered up to €5,000; item may be max. 24 months old (electronics and glasses 6 months) | No |
Flat Coverage Limit for Personal, Property, and Financial Damage | €50,000,000 | €30,000,000 |
Uninsured Loss Coverage incl. Specialized Liability Legal Protection | Compensation up to the awarded amount within the agreed coverage limit | Compensation up to the awarded amount within the agreed coverage limit |
Rented Property Damage (including holiday accommodations and hotels) | Covered | Covered |
Damage to Rented Animal Transport Trailers | Covered up to €50,000 | No |
Riding Partners, Owner Communities, Guest and External Riders | Covered | Covered |
Liability Claims of Riding Partners Against Policyholder | Covered | Covered |
Liability Claims of External Animal Caretakers Against Policyholder | Covered | Covered |
Part-Time Commercial Use of Horses | Covered up to €22,000 annual revenue | Covered up to €6,000 annual revenue |
Riding Bareback or with Unusual Saddle/Bridle | Covered | Covered |
Horse Competitions, Shows, Races (Non-Commercial) | Covered | Covered |
Horse Racing (Non-Commercial) | Covered | Covered |
Pasture Damage | Covered | Covered |
Foal Coverage from Birth | Foals up to 18 months old of the insured parent horse | Foals up to 12 months old of the insured parent horse |
(Un)Intended Coverings / Mating Risks | Covered | Covered |
Recovery/Rescue Costs | Covered up to the coverage limit | Covered up to €20,000 |
Death of Horse due to Wolf Attack or Horse Flayer within Germany | Covered up to €5,000 | No |
Premium Reduction for Borrowed Registered Animal Trailers | Covered (subsidiary coverage) | No |
Damage to Borrowed Vehicles | Damage to third-party vehicles that are rented, borrowed, leased up to €1,000 | No |
Europe (Validity) | Unlimited | Unlimited |
Worldwide (Validity) | Max. 5 years (residing in Germany) | Max. 3 years (residing in Germany) |
Client feedback on our pet owner liability insurance: ‘My horse and I have been through a lot together. I needed coverage we could trust anytime, anywhere. PHÖNIX horse owner liability insurance provides this security and offers unbeatable value.
(Claudia W., Ingolstadt)
Client feedback on our pet owner liability insurance: ‘My horse and I have been through a lot together. I needed coverage we could trust anytime, anywhere. PHÖNIX horse owner liability insurance provides this security and offers unbeatable value.
(Claudia W., Ingolstadt)
Seven Beneficiaries Included in Pet Liability Insurance
Horse
- Guest and External Rider Risk
- Best-in-Class Guarantee
- Rented Property Damage (Stables, Boxes, Transport Trailers)
- Riding with unconventional and bitless bridles, bareback riding
- Loss of horse due to wolf or horse flayer attack
- Uninsured Loss Coverage and Liability Legal Protection
- Foal Protection: Young animals are insured for 18 months from birth
Excellent protection for your clients
Strong Benefits, Fair Premiums
Horse Insurance Plans | Pet Owner Liability Insurance Premium | Pet Owner Liability Insurance Exklusiv |
|---|
Sum Insured | €50,000,000 | €30,000,000 |
Horse | €99,00 | €84,00 |
each additonal Horse | €69,30 | €58,80 |
Pony/Donkey | €79,00 | €65,00 |
each additional Pony/Donkey | €44,80 | €34,30 |
Horse/Pony/Donkey without Riding Risk | €69,00 | €59,00 |
Sum Insured | €50,000,000 | €30,000,000 |
Horse | €89,10 | €75,60 |
each additonal Horse | €62,37 | €52,92 |
Pony/Donkey | €71,10 | €58,50 |
each additional Pony/Donkey | €40,32 | €30,87 |
Horse/Pony/Donkey without Riding Risk | €62,10 | €53,10 |
* The deductible is permanently eliminated after 5 claims-free years.
Strong Benefits, Fair Premiums
Premium Examples without Deductible, Including Insurance Tax (Annual)
Premium Examples with €150 Deductible, Including Insurance Tax (Annual)
FAQs on Our Horse Owner Liability Insurance
In Germany, unlike for dogs, horse owners are not legally required to have insurance. However, under § 833 BGB, owners are strictly liable for all damages caused by their horse—even without personal fault. Horse liability insurance protects your client against claims for personal injury or property damage, such as damage to a borrowed horse trailer.
Yes.
In principle, any horse can be insured under the PHÖNIX plans, provided the animals are kept exclusively for private purposes. Owners with multiple animals receive significant discounts for additional horses.
For ponies and so-called retired horses, we offer separate, more affordable plans.
Personal, property, and financial damages are covered up to €50 million under the THV Premium plan and up to €30 million under the THV Exklusiv plan.
PHÖNIX offers your clients top-tier insurance protection against major risks associated with private animal ownership. In cooperation with INTER Versicherung (Mannheim), we developed an ‘all-inclusive’ coverage plan that includes all services—because it’s impossible to foresee what damage an insured animal might cause. This provides optimal, personalized protection for your clients’ needs.
Riding partners, guest riders, and external riders are automatically included in the coverage—no individual listing required.
In the event the insured animal dies due to a wolf attack or a horse flayer attack, PHÖNIX THV Premium provides coverage up to €5,000.
Riding bareback or with unusual and/or bitless bridles is fully insured under our coverage.
With the Premium Plan’s Difference Coverage, if your client transfers from an existing policy with another insurer, our enhanced benefits apply immediately and free of charge until the previous policy expires. Premium payments start only after the old policy ends.
Performance Protection in the Premium Plan means that if another German insurer offers better coverage in a claim, we will pay out according to their conditions. This ensures your clients always get the best possible protection.
The contract is valid for one year and may be cancelled by you or your client at any time, effective from the next main renewal date. If the insured animal dies, the contract can be terminated immediately, and any remaining premium will be refunded to your client.
Why Choose a Deductible? Reliable support for major, financially threatening claims is our top priority. Paying a minor claim of €150 out of pocket is manageable, and in exchange, your clients enjoy lower premiums. Bonus: after five claim-free years, the deductible is completely waived.
Top Protection for Your Client – Apply for Pet Owner Liability Insurance Now!