Injury Caused by Insured's Horse

August 20, 2018

We insure a homeowner under a standard HO 03 04/91 policy. The insured's household member daughter owns a horse. The horse is kept in a stable not located on the insured premises. The insured and horse were visiting the off premise stable when the horse injured another person. Would liability coverage exist for the homeowner and household member daughter?

Massachusetts Subscriber

Under Section II in the HO 04 91 medical payments to others are provided if injury is off the insured location and is caused by an animal owned by or in the care of an “insured”. There is no exclusion for animals under this section. As long as the injury was unintentional, there is coverage.