To work properly, the ManePoints website requires that you use a javascript-enabled browser. Please turn on your javascript, or upgrade to javascript-enhanced browser. More information . But you're probably not willing to bet that your horse will never be the cause of injury to anyone.
Liability insurance can be important.
People who own horses naturally have an additional liability exposure, says Bill Safreed, a commercial underwriting manager and farm insurance expert at Nationwide Insurance. It may not be a common occurrence, but it's something you have to anticipate. But as million-dollar jury awards grow in the United States more people are being enticed to take legal action for even minor injuries. You never know when someone with an inclination toward legal action might cross paths with your horse. Safreed's advice is to carry higher limits of liability coverage.