Anyone who keeps horses knows: they are fascinating animals – but also unpredictable. One moment, an unexpected jump or kick, and something can happen. Whether it's a damaged car, an injured cyclist, or a broken garden gate – the financial consequences for owners can be enormous. This is precisely where horse owner's liability insurance .

Why is horse owner's liability insurance so important?

As a horse owner, you are generally liable without limit under German law for damages caused by your animal – regardless of whether you are at fault or not. A single incident can result in thousands of euros in damages. Horse owner's liability insurance reliably protects you from these financial risks. It covers:

• Personal injury (e.g., if someone is injured by your horse)

• Property damage (e.g. destroyed fences or vehicles)

• Financial losses that may arise from this

Without this protection, you risk your financial security.

Typical damage cases from practice

• Her horse gets scared and runs into the road – a driver swerves to avoid it and causes an accident.

• During the ride, your horse kicks a cyclist.

• At an event, your horse damages someone else's property.

These are all scenarios that occur daily and where the insurance covers the situation.

Digital claims assistance with Risk-BOT: Simple, fast, stress-free

If, despite all precautions, damage occurs, the usual bureaucratic nightmare begins: lengthy forms, waiting on hold, and inquiries. This is precisely where Risk-BOT's digital claims assistance in – a standalone service that makes reporting your claim as easy as possible.

• Report damage online in just a few clicks

• Ticket system for clear structure and tracking

• Easily upload documents and photos

• Available 24/7, without hotline waiting times

This saves you time and energy – and allows you to fully concentrate on your horse, while Risk-BOT speeds up communication.

Conclusion: Secure yourself smartly, report digitally

With horse owner's liability insurance, you're on the safe side as a horse owner. And if something does happen, Risk-BOT makes reporting the claim easier than ever before.

👉 You have the policy – ​​now use Risk-BOT's digital claims assistance and report your claim stress-free online!