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 USD 1 million and is available in USD 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).