What is public liability insurance, and why do horse owners need it?

Public liability insurance protects you from third-party damage and injury claims against you.

Many equine insurance policies include public liability insurance for horses, which is an important backstop for horse owners.

Francis Martin, CEO of The Insurance Emporium, says public liability insurance is also referred to as third-party liability insurance. “They both cover your legal responsibilities to other people should your horse damage their property or cause them injury.”

These...