Insurance coverage could protect you and your business from the financial loss associated with risk as a horse owner or operator. There are many different types of insurance coverages to consider when looking to protect your assets – that’s why we’re here to help you choose from our flexible options to customize the protection against risk as a horse owner or operator.

Appetite

We concentrate on providing insurance solutions for the following Equine Farm operations on a package policy:

Preferred Equine Farm Operations

  • Boarding, Breeding, Racing or Training Operations
  • Riding Instruction
  • Trainers
  • Farriers
  • Equine Day Camps
  • Hobby Farm with Horses

Equine Farm Operations - Undesirable

  • Public Trail Rides
  • Agritainment
  • Event Centers
  • Rescue Operations
  • Non-Certified Therapeutic Operations
  • Commercial Horse Transit Operations

Cover

We can add the following to our Equine Farm Liability product to make a package policy:

Equine Farm Property

  • Dwellings (Owner, Secondary, Employee)
  • Equipment (Scheduled or Blanket)
  • Barns, Outbuildings and Other Farm Structures
  • Optional Property
    • Scheduled Personal Property (Jewelry, Fine Arts, Firearms, etc.)
    • Disruption of Farming Operations
    • Identity Fraud Expense Coverage
    • Equipment Breakdown Protection
    • Inflation Guard (Barns)
    • Orchard and Vineyard Property Coverage
    • Pollutant Clean Up and Removal
    • Enhancements (Dwelling and Operations)

Equine Farm Umbrella

Protection can start at $1 million and is available in $1 million increments up to USD 10 million. We also can offer limits over USD 10 million – contact us for additional options.

Automobile

We can provide coverage for farm trucks, horse trailers and personal automobiles with a single policy.  Coverages are available based on state laws:  Liability, Comprehensive, Collision, Uninsured Motorist, Underinsured Motorist, Medical Payments, Personal Injury Protection, Hired, Non-Owned, Towing and Rental.

Territories:

Our Equine Farm products are available in all states except Alaska, Florida, Hawaii and Montana (pending).

View product descriptions on our country websites