This is an insurance designed to cover you for any claims made against you by the owner of a horse which is injured whilst in your care and is not covered under the public liability section. Care, custody and control covers the horse, public liability covers the members of the general public. It may seem an unlikely eventuality and therefore you may feel safe omitting it from your cover particularly if all the horses in your charge are individually insured. However do remember that relationships with even the most reasonable owner can turn sour if their much loved horse is injured.