What is the best equine insurance?

Question

I need to insure my horse before I take her to be riden by children.

Answer 1

Insure her against what?  Liabiltiy, if a kid gets hurt?  Or her injuries?

This is a pretty narrow niche, so you're going to have to shop around for a local independent agent who can shop this out.  Or  call the guy who writes your homeowners/farmowners policy, see if they can do anything for you.

Answer 2

Check your state law, in many states the horse owner is not responsible for injury occurred during normal equine activity.  There is an assumed risk in getting on or near a horse. What you need is liability insurance.  

To insure a horse for life or stated use i.e. stud runs about 5% of the total insured value per year, but I don't think that is what you are asking about.