Insure Your Horse
General Mortality:
Full Mortality coverage is provided for the death or humane destruction of your horse as a result of theft, injury, illness, accident, or disease that occurs during the policy period, anywhere in the U.S.A. and Canada (or as permitted by endorsement to your policy). Your premium rate is based on an animal’s use, breed and age. If you insure your horse for Full Mortality it may be eligible for additional coverages described below. Mortality coverage is available for horse between the ages of 24 hours and 18 years.
Major Medical/Surgical:
This is the most popular endorsement to add to your Mortality coverage. This endorsement provides coverage for the reasonable and customary cost of medical and/or surgical procedures performed on your horse as a result of an accident, illness, injury or disease. This coverage is available on horses between the ages of 6 months and 15 years, non-racing animals. Routine medical and pre-existing conditions are not covered by this endorsement. There are limits of liability available from $7,500 to $15,000. MINIMUM MORTALITY VALUE OF $10,000 IS REQUIRED FOR A HORSE TO QUALIFY FOR MEDICAL/SURGICAL COVERAGE. A deductible will apply to each claim during the policy period. We can help you determine the best limit of liability for your horse’s insured value, and intended use.
Catastrophic Accident and Illness:
Designed to fill the budget-conscious needs of the average horse owner who wants basic veterinary-expense coverage for emergencies such as colic or acute injury. Many horse owners do not want nor need coverage for cutting edge treatment or diagnostics such as MRI’s, bone scans, stem-cell or IRAP. Treatment Inclusions: Colic, whether treated medically or surgically, medical or surgical treatment for illness or accidental, external and violent injury such as lacerations, treatment for neurological disorders as a result of illness such as EPM, West Nile Virus, or EHV-1. treatment for viral and/or bacterial illness, including tick-borne conditions such as Lyme Disease or Ehrlichiosis, lameness arising from laminitis. Treatment Exclusions: Treatment for gastric or intestinal ulcers, any diagnostics or treatment caused by lameness including, but not limited to, navicular conditions, pedal osteitis, arthritis, degenerative joint disease, vertebral abnormalities, skeletal abnormalities, bone spavin, bone chips, OCD, tendonitis and/or ligament desmitis. Diagnostics include: Radiographs, ultrasound, blood work and myelogram are covered for visible, external, traumatic accidents or injuries. Diagnostic Exclusions: No coverage for nuclear scintigraphy (bone scan) and MRI. Policy limit of $5000 is available for only $300 annually. Limit available for horse insured with a mortality limit of $5000 or higher.
Emergency Colic Surgery Endorsement:We offer an Emergency Colic Surgery endorsement as part of their basic Mortality policy, at no cost to you. This endorsement is limited in the amount it will pay if your horse requires emergency colic surgery in order to save its life. This endorsement is not available on any horse with a history of colic, prior colic surgery or other gastro-intestinal disorders.
Surgical Endorsement:This endorsement provides coverage for the actual cost of a surgical procedure performed on your horse, and provides after care coverage for a short period of time after a surgical procedure. Limit of liability is $5000 - annual premium $150 with $0 deductible.
Territorial Limits Including Transit:Mortality coverage may be extended to include international transportation to and from approved countries. Premium for the extension of Territorial Limits includes Transit coverage. Prior notification of transit must be given, location of horse must be approved by the company, a premium charge will apply for this endorsement.
Stallion Infertility:This endorsement provides coverage for a proven breeding stallion should he become permanently incapable of settling mares in foal as a result of an accident, illness, disease or injury. Coverage is not available for stallions in their first breeding season.
External Loss Of Use:This coverage provides that in the event your horse is permanently no longer able to perform it intended function as listed on the declarations page of your policy, as a result of a visible, external, accidental and violent means, you will be paid a percentage of the amount of indemnity due under the mortality policy (usually 50%). Incapacity must be due to external and violent means. This endorsement does not cover loss of use due to degenerative disease, arthritis, or the inability of a horse to perform it intended due to age or ability. Available for horses ages 1 through 16 years, selected uses only.
This is a brief description of the Animal Mortality coverages offered. Based on underwriting requirements from each company not all coverages may be available. Please refer to your policy wording for complete details of coverage, conditions and exclusions.
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Equine Mortality Coverage
Insure Your Farm or Ranch
Your farm is a major investment in your life whether your property is a small pleasure farm or an affluent equestrian estate. It is very likely that a Homeowners policy doesn’t cover the risks of owning a farm, ranch or stable. Most Homeowners policies do not cover boarding, breeding, riding lessons, buying, selling or training horses, which are considered business pursuits. An Equine Farm Package policy can bridge the need for both a Homeowners policy and a Commercial Liability policy.
We can custom-tailor a policy that will fit your insurance needs. Our modular format offers a variety of coverages to choose from.
ADVANTAGES OF AN EQUINE FARM/RANCH PACKAGE POLICY
• Covers personal liability in the same manner as a homeowners policy
• Provides replacement cost for your home and personal property
• Broad and Special coverage is available for barns and outbuildings
• Replacement cost coverage is available for barns and outbuildings
• Coverage for farm personal property such as tractors, tack and other farm equipment is available
• Liability exposures such as riding lessons, boarding, training may be covered
• Coverage of Care, Custody or Control of non-owned horse is available
This is a brief description of the Farm coverages offered. Based on underwriting requirements from each company not all coverages may be available. Please refer to your policy wording for complete details of coverage, conditions and exclusions.
Farm Coverage
Insure Your Independent Horse Shows and Events
Liability coverage is available for single horse shows, equestrian events, or clinics. Our program provides coverage for the actual days of your show or event and includes days for both set-up and take-down.
This is a brief description of the show/event coverages offered. Based on underwriting requirements from each company not all coverages may be available. Please refer to your policy wording for complete details of coverage, conditions and exclusions.
Show and Event Coverage
Liability Coverage
Insure Your Clubs and Associations
Groups wishing to protect themselves can obtain liability coverage with a Club and Association policy. This coverage helps to protect your group if you are faced with a lawsuit by a third party. Defense fees as well as claims for property damage and/or bodily injury are covered.
This is a brief description of the Club and Association coverages offered. Based on underwriting requirements from each company not all coverages may be available. Please refer to your policy wording for complete details of coverage, conditions and exclusions.
Clubs and Association Coverage
Insure Your Equine Liability
Commercial Liability
This coverage is vital protection if you perform any commercial Equine activities such as boarding, instruction, riding academies, training, breeding, clinics or sales. Coverage is provided if you are sued by a third party who is injured or whose property is damaged due to your Equine-related activities. This coverage covers defense costs and claims for which you are legally liable, up to the policy limits.
Personal Liability
In the event your horse injures a third party or damages their property, we can provide you coverage for medical costs, defense costs and pay claims for which you are legally liable during the policy period.
Care, Custody and Control
Many farm and ranch owners and operators who broad, breed or train animals, owned by others, assume they will never be sued, or if they are sued they assume that their General Liability coverage will protect them in the event of a death or injury to a horse left in their care. What many do not realize is that most General Liability policies exclude coverage for death or injury to horses in your care. This coverage will protect you with defense costs and will provide for medical care and/or replacement cost of an animal up to the policy limits if a horse is injured or dies while in your care and you are found negligent. With limits available up to $250,000 per animal and $500,000 maximum loss per policy year, you can buy only the coverage you need.
This is a brief description of the liability coverages offered. Based on underwriting requirements from each company not all coverages may be available. Please refer to your policy wording for complete details of coverage, conditions and exclusions.