Horse Trailer Insurance

What is horse trailer insurance?

Equine trailer insurance is an important safeguard for businesses that use specialized trailers to transport horses. Whether you're traveling to a show, moving livestock, or going to the vet, horse trailer insurance offers peace of mind when hauling your prized horses.

With Progressive Commercial, getting the coverage you need is easy. We're the #1 commercial auto insurer in America^*, with flexible options to cover anyone who needs horse trailer insurance.

What does horse trailer insurance cover?

Horse trailer insurance is commercial auto insurance specifically tailored for companies that transport horses. Depending on the coverage you choose, your equine trailer insurance may include:

• Damages or injuries caused to others
• Theft of the trailer
• Vandalism or other trailer damage
• Roadside assistance with specialized towing

It's important to remember that horse trailer insurance isn't a standalone coverage, and it doesn't protect the horses or the truck you use to tow your trailer. You'll still need commercial auto coverage, such as a pickup truck insurance policy, to make sure you meet legal liability requirements in your area.

Contact our experts or start a quote online today for help customizing a horse trailer insurance policy for your needs.

Commercial auto vs. horse trailer insurance

A commercial auto policy may offer some basic protection for a trailer that your vehicle is pulling. However, policies designed with horse trailers in mind are a better option for anyone who needs to transport horses.

Enhancing your commercial auto coverage with trailer insurance provides better protection for expensive trailers that carry livestock.

How to get horse trailer insurance

Getting coverage for your horse trailer is easy. To get started, you'll need to provide the following information:

• Make, model, and year
• Approximate market value
• VIN for the trailer
• Yearly mileage estimate
• Location
• Your driving record

We use this information to determine your rate and suggest a horse trailer policy for your business. Get a customized online quote or speak to our experts to learn more about equine trailer insurance.

Horse trailer safety features

Securing your horses is a top priority when traveling by trailer. Adding the following safety features not only protects your horses, but it might also help you save on your horse trailer insurance:

• Breakaway system: Emergency braking in case the trailer separates from the tow vehicle
• Safety chain: Provides a backup connection if the hitch breaks
• Lighting: Better exterior lights increase visibility on the road
• Interior padding: Cushioned walls and dividers prevent horse injuries
• Ventilation: Open vents provide better airflow and temperature regulation
• GPS system: Monitors trailer location to prevent theft

Keep your horses safe when traveling by trailer

Traveling with horses requires lots of preparation and care. Before you hit the road, take time to closely inspect your trailer, checking your hitch, tires, and brakes for wear and tear. Plan your route beforehand to find appropriate rest stops along the way. And always make sure your horses are safely secured and comfortable before setting off.