A barking dog, a honking car or a rustling in the bushes are usually enough. Your otherwise so gentle and relaxed companion is startled, climbs and bolts. In doing so, he damages the paddock, his box or – in the worst case – runs into the street and causes a serious car accident in which several people are injured. According to the BGB, you as a horse owner are liable for all damage for which your animal is responsible, with your current and future private assets.
You should take precautions so that you do not face a financial fiasco in the event of damage. Horse liability insurance protects you against high costs in the event of damage. You can find out here which services are covered by the policy, how much they cost per month and what is important when concluding a contract!