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Equine Assisted Therapy Insurance

  The Equestrian Group Equine Assisted Therapy Policy is custom designed to meet the unique insurance needs of your Equine Assisted Riding  & Equine Assisted Mental Health Program. Written through an A+ rated national insurance company this comprehensive package offers both flexibility and broad protection at extremely competitive prices

                   One Policy - Two Coverage Options !

We are pleased to announce major new enhancements to our Equine Assisted Therapy Insurance Program.  As the EAT industry leader, we have significantly expanded the scope of coverage in our equine therapy policy.  In addition to Comprehensive Equine Liability we now offer complete professional liability coverage for all aspects of your behavioral therapy operations. 

Our Behavioral Therapy Professional Liability coverage offers complete blanket protection for all behavioral therapy exposures equine and non-equine.  It covers the Named Insured, employees volunteers and scheduled independent contractors.  Please call us today for a no obligation account review and quote.



Program Highlights


  A+ rated national insurance company


  Liability coverage territory throughout the United States & Canada


  Monthly Installment Payment Plans


  Employees, Volunteers & Premises Owners named additional insureds


  Clinics, Shows & Special Events included


  Personal Injury & Advertising Liability Included


  Can be written with Commercial Equine Package


  Care, Custody & Control coverage for non-owned horses


  Equine Professional Liability


  Accident & Disability Coverage for volunteers  


  Credit for professional certifications


  Human Services Professional Liability Coverage  

We now offer professional liability coverage for all your professional
service exposures including equine therapy in one policy!

all 800-874-9191 or email us for a no obligation insurance quote today. 

We can often give you a quote right on the phone while you wait! 

Also see Commercial Equine Liability for additional policy information  



Types of disabilities and conditions

  • Abuse Issues
  • Amputee
  • Attention Deficit Disorder
  • Autism
  • Brain Injuries
  • Cardiovascular Accident/Stroke
  • Cerebral Palsy
  • Chemical Abuse
  • Developmental Disabilities
  • Down Syndrome
  • Eating Disorders
  • Emotional Disabilities
  • Hearing Impairments
  • Learning Disabilities
  • Multiple Sclerosis
  • Muscular Dystrophy
  • Post Polio Speech Impairments
  • PTSD
  • Spina Bifida
  • Spinal Cord Injuries
  • Visual Impairments
  Equine Assisted Therapy is an evolving field in which horses are used as a tool for both physical therapy and emotional growth and learning.  Many riders experience a connection to the horse that few sports or activities can create. For those riders who cannot walk, the horse is their vehicle of transport. Not only does this help raise their self-esteem but it also teaches them essential skills. It improves balance, creates trust and creates a friendship between rider and horse. 

The benefits of horseback riding are as numerous as the types of disabilities and conditions served. Research shows that students who participate in therapeutic riding can experience physical, emotional and mental rewards. Because horseback riding gently and rhythmically moves the rider's body in a manner similar to a human gait, riders with physical disabilities often show improvement in flexibility, balance and muscle strength.


 For individuals with mental or emotional disabilities, the unique relationship formed with the horse can lead to increased confidence, patience and self-esteem. The sense of independence found on horseback benefits all who ride. The therapeutic qualities of horseback riding are recognized by many medical professionals, including the American Physical Therapy Association and the American Occupational Therapy Association.

Individuals of all ages, with a wide range of physical, cognitive and/or emotional disabilities benefit from therapeutic horseback riding and other equine activities.

It is important that you choose a policy specifically designed for your Equine Assisted Therapy program.  After an intensive research effort we now offer the most comprehensive EAP policy available. 24/7 coverage including professional liability!  Please call us today to get a no obligation quote and coverage comparison. 

Professional Association of Therapeutic
Horsemanship International


PATH International

Professional Association of Therapeutic Horsemanship International (PATH Intl.), a federally-registered nonprofit, was formed in 1969 as the North American Riding for the Handicapped Association to promote equine-assisted activities and therapies (EAAT) for individuals with special needs. With nearly 4,500 certified instructors and equine specialists and 850 member centers around the globe, more than 7,500 PATH Intl. members help more than 54,000 children and adults with physical, mental and emotional challenges find strength and independence through the power of the horse each year.


Wounded Warrior Project

The mission of Wounded Warrior Project™ (WWP) is to honor and empower wounded warriors. WWP's purpose is to raise awareness and enlist the public's aid for the needs of injured service members, to help injured servicemen and women aid and assist each other, and to provide unique, direct programs and services to meet their needs. WWP is the hand extended to encourage warriors as they adjust to their “new normal” and achieve new triumphs. Offering a variety of programs and services, WWP is equipped to serve injured servicemen and women with every type of injury... from the physical to the invisible wounds of war.



Founded in 1999, EAGALA is an international nonprofit association for professionals using equine therapy to address mental health and human development needs.  The EAGALA Model provides a standard and structure for providing Equine Assisted Psychotherapy and Equine Assisted Learning sessions.  An Equine Specialist, a Mental Health professional, and horses work together with clients in all EAGALA sessions.




The North American Riding for the Handicapped Association (NARHA) promotes equine facilitated therapy and activity programs in the United States and Canada. Currently, more than 650 NARHA program centers serve some 30,000 individuals with disabilities. Each year, dozens of new centers initiate new programs and thousands of individuals profit from these beneficial activities.

Since 1969, NARHA has ensured that therapeutic riding is both safe for, and accessible to, those in need. In that time the field of therapeutic riding has expanded along with the numbers of individuals profiting from involvement with horses. Today NARHA represents a growing number of equine assisted therapies and activities, including recreational riding for individuals with disabilities, hippotherapy, equine assisted psychotherapy, driving, vaulting, competition and other therapeutic and educational interactions with horses.



Greg Kersten's
OK Corral Series


American Hippotherapy Assn


      Things You Should Know:

Insuring Equine Assisted Therapy & Human Service Programs



"There is something about the outside of a horse that is good for the inside of a man."    Winston Churchhill

  What Are Equine-Assisted Activities and Therapies?

Throughout the world, hundreds of thousands of individuals with and without special needs experience the rewarding benefits of equine-assisted activities and therapies (EAAT). A physical, cognitive or emotional special need does not limit a person from interacting with horses. In fact, such interactions can prove highly rewarding. For instance, experiencing the rhythmic motion of a horse can be very beneficial. Riding a horse moves the rider's body in a manner similar to a human gait, so riders with physical needs often show improvement in flexibility, balance and muscle strength.

Whether it's a five-year-old with Down syndrome, a 45-year-old recovering from a spinal cord injury, a senior citizen recovering from a stroke or a teenager struggling with depression, research shows that individuals of all ages who participate in EAAT can experience physical and emotional rewards. For individuals with emotional challenges, the unique relationship formed with the horse can lead to increased confidence, patience and self-esteem. For teams in the corporate workplace and any individual seeking better leadership, team building or communication skills, working with horses provides a powerful new paradigm.

The Role of the Equine as Partner in EAAT

New scientific research continues to reveal critical information about equine sentience- their abilities of perception, cognition, memory, and emotions such as pain and fear. Equines are able to perceive, respond to and learn from the impressions they receive from minimal sensory stimuli. The stimulus may originate from changes in human biochemistry, body language, or vocal intonations. It can also come from changes in the equine’s environment, relationships with other equines, or the equine’s general health In this way, equines make decisions based upon the stimuli they experience from others or from their environment (Hangg, 2005; Nicol, 2002; Proops, McComb, & Reby, 2009; Saslow, 2002).

These abilities are based in natural, biological, physiological, and psychological traits of equines. Each equine is unique in personality, and has individual likes, dislikes and habits. The information gained from equine communication can be highly useful in all EAAT settings. Listening to equine communication can have an effect on the care of the equines, their rate of burnout, and the success of the human-equine interaction. In EAAT sessions or lessons, viewing the equine as a partner invites opportunities for relationship building and skill building with all participants served.


Equine Assisted Activities & Therapy Definitions

Equine-Assisted Activities (EAA)
Equine-assisted activities are any specific center activity, e.g.. therapeutic riding, mounted or ground activities, grooming and stable management, shows, parades, demonstrations, etc., in which the center’s clients, participants, volunteers, instructors and equines are involved.

Equine-Assisted Therapy (EAT)
Equine-assisted therapy is treatment that incorporates equine activities and/or the equine environment. Rehabilitative goals are related to the patient’s needs and the medical professional’s standards of practice.

Equine-Facilitated Learning (EFL)
Equine Facilitated Learning (EFL) is an educational approach to equine-assisted activities. EFL content is developed and organized by credentialed practitioners with the primary intent to facilitate personal growth and development of life skills through equine interactions.

Equine-Facilitated Psychotherapy (EFP)
EFP is defined as an interactive process in which a licensed mental health professional working with or as an appropriately credentialed equine professional, partners with suitable equine(s) to address psychotherapy goals set forth by the mental health professional and the client.

The American Hippotherapy Association, Inc., defines hippotherapy as a physical, occupational or speech therapy treatment strategy that utilizes equine movement. The word hippotherapy derives from the Greek word hippos, meaning horse. The term hippotherapy refers to the use of the movement of the horse as a treatment strategy by physical therapists, occupational therapists and speech/language pathologists to address impairments, functional limitations and disabilities in patients with neuromotor and sensory dysfunction. This treatment strategy is used as part of an integrated treatment program to achieve functional goals.

Interactive Vaulting
Interactive Vaulting is an activity in which the students perform movements on and around the horse. These movements can be very simple such as sitting without holding onto the surcingle or a more elaborate compulsory move such as kneeling or standing on the horse. It all depends on the individual needs of the vaulter. Learn more.

Therapeutic Driving
Carriage Driving offers students with physical, mental, sensory or emotional disabilities the rewards of interaction and control of a horse or pony while driving from a carriage seat or in their own wheelchair in a carriage modified to accommodate their wheelchair. Learn more.

Therapeutic Riding
Therapeutic riding is an equine-assisted activity for the purpose of contributing positively to the cognitive, physical, emotional and social well-being of individuals with special needs. Learn more.



Equestrian Therapeutic Associations:

OK Corral Series - Equine Assisted Psychotherapy

Equine Assisted Growth and Learning Association

North American Riding for the Handicapped Association

Professional Association of Therapeutic Horsemanship International

Therapeutic Adventure Professional Group


  General Underwriting Guidelines
  • Equine Assisted Therapeutic application and questionnaire must be completed in its entirety and all attachments and required documents must be included with the original submission for consideration.  Omission of any part without explanation will not be considered until all parts are included. 
  • A minimum of two years experience in handicapped or therapeutic operations for the equine instructor is required.  The individual may have gained the experience from this operation or from working at a previous operation. 
  • Personnel with past history of violence or criminal behavior or conviction are not acceptable for this program. All personnel will need a complete background history on file with the facility. 
  • Minimum of two years experience for all horses either in past handicapped/therapeutic operations or as a school horse used in a daily lesson program.  They cannot have exhibited any prior violent or aggressive behavior or contributed to an accident or claim.  Some breeds may not be suitable if less than 5 years old. 
  • Participants must be two years of age or older to participate in any hippotherapy program and 4 years or older to participate in any other program. 
  • A ratio of 1:3 staff to participant is a requirement for hippotherapy operations and a 1:5 staff to participant ratio requirement for all other therapies/lessons.  Some risks may vary from this ratio and need to be fully explained for consideration.
  • Participants with a past history of violence or criminal behavior or conviction are not acceptable for this program. 
  • Professionals & Independent contractors must provide proof of insurance with a minimum of $1,000,000 CSL liability.
  • Three-year loss history must be submitted with the application.  Coverage cannot be bound without the past history.  Hard copy loss runs must be included if there was a prior carrier.
  • Application/questionnaire must be signed by the applicant.  A faxed signature will be acceptable.
  • An inspection of the premises may be requested by the underwriter.
  • Risks with vaulting exposures are not acceptable.






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