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.


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


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.


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.


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

Key Contacts

Katia Desruisseaux

Chris Heavrin

Underwriting Specialist
Javier Guardia headshot

Javier Guardia

Head of Western Region Claims

Heads of Department

Julian Bowen-Rees - website

Julian Bowen-Rees

Global Head of Equine and Livestock