Equine Insurance

We offer quality products and competitive prices by individuals who know the Equine and Farm insurance field. Most of all we offer you "Personal Service."

Equine Mortality: The Equine Mortality Policy provides protection of your investment. This policy pays you a stated amount should your animal die or need to be destroyed for any humane reason. The standard policy covers your animal anywhere in the continental United States and while in transit. Coverage is available for animals that travel outside of the country at an additional cost. Coverage can be provided on a ‘full’ or a named perils basis.

The full mortality policy can also be endorsed to include, Medical/Surgical coverage/with limits up to $10,000, Surgical Only, Guaranteed Extension, Agreed Value, Loss of Use, Accidental Loss of Use or Air Transit Coverage.

Riding Clubs: Coverage is designed to insure the club, and its members, for sums they become legally obligated to pay for bodily injury and property damage resulting from club activities.

Farm Owners coverage: Your current farm owners or homeowners policy may specifically exclude horses. We offer property and liability coverage anywhere in the continental United States. Whether you have a small pleasure farm or a large training operation, we can customize a policy to cover your specific needs. Your customized policy may include: your home and its contents, barns and out buildings, farm personal property, farm extra expense, farm and personal liability exposures along with liability associated with buying, selling, breeding, boarding and training horses.

Farm Umbrella: This policy provides excess coverage in a specific amount to supplement the limits of your farm, personal, commercial and auto liability coverages. Coverage is available to individuals or partnerships.

General Liability: This is a vital protection for trainers and riding instructors. The policy covers bodily injury and property damage that you are held liable for due to your horse related activities.

Care Custody & Control: Most people assume that their general liability policy will cover them if the owner of a horse that dies or is injured in their care sues them. However, this type of legal liability is excluded from most standard general liability policies. This policy is specifically designed to cover sums you are legally obligated to pay arising out of the Injury, death or theft of any non-owned horse in your care, custody or control. Defense costs are also included.

Pleasure and Show Horse Owners Liability: This policy is designed to cover horse owners who are not personally involved in the commercial business of training, racing, breeding or boarding non-owned horses. The horse owner’s liability policy provides coverage for bodily injury or property damage arising from your animal. Limits are available up to $1,000,000.

See our Forms Page for a list of forms to view and print