FARM OWNERS PACKAGE

Do you own a horse farm? If so, you will need to protect your home and buildings, as well as cover your equine liability exposure. Our farm package encompasses all of that into one policy including:

• Property coverage for your home, personal property, outbuildings, machinery, tack, equipment, livestock and other farm property.
• Liability protection for you and your farm business, including operations such as boarding, breeding, training, racing, lessons, and horse show events.

How to Apply

• Complete the Farmowners Application.

Care, custody and control and qualifying auto coverage can be added to complete the package. This entire package is available for individuals, partnerships, corporations and limited liability corporations (LLC). Please contact our office today for a free quote.

 

CARE, CUSTODY, & CONTROL

Equine Care, Custody and Control coverage is essential for equine professionals entrusted to care for non-owned horses.

Coverage Highlights

• Protects you should you cause injury or death to a non-owned horse in your care for which you would be legally liable.
• Various limits of insurance to fit your specific needs.

How to Apply

• Complete the Care, Custody & Control Application.

 

EQUINE COMMERCIAL GENERAL LIABILITY

If you perform any of the following activities on leased or owned premises, this liability policy is important for your protection:

• Boarding, breeding, training, racing, lessons, horse sales, riding clinics and horse shows

Coverage Highlights

• Protects you should property damage or bodily injury to others arise due to your commercial horse operations.
• Available with limits up to $1,000,000 per occurrence.

How to Apply

• Complete the Equine Commercial General Liability Application.
• Complete the Race Horse Owner’s & Trainer’s Commercial General Liability Application (for Racing operations)

 

PERSONAL HORSE OWNERS LIABILITY

Owning a horse creates unique liability exposures. Many times the liability associated with the ownership of a horse is not covered under your homeowner insurance policy. The horse owner’s general liability policy fills this gap.

Coverage Highlights

• Available with limits up to $1,000,000 per occurrence.
• Available for most breeds and uses.

How to Apply

• Complete the Equine Personal Liability Application.

 

TRAINER/INSTRUCTOR LIABILITY

As a professional horse trainer and/or riding instructor you are well aware of the potential hazards and liabilities you are exposed to on a daily basis.

Coverage Highlights

• Protects you when mishaps occur due to your negligence for which you could be legally liable.
• Available with limits up to $1,000,000 per occurrence.

How to Apply

• Complete the Equine Commercial General Liability Application.
• Complete the Race Horse Owner’s & Trainer’s Commercial General Liability Application (for Racing operations)

 

EQUINE EVENT LIABILITY

Coverage in the event a lawsuit arises out of horse show/event activities.

Coverage Highlights

• Written as a short-term or annual policy. Covers the requested show dates and extends to include a day before the show/event for move-in and two days after the show/event for move-out.
• Protects you should bodily injury or property damage occur as a result of horse show/event functions.
• Available with limits up to $1,000,000 per occurrence.

How to Apply

• Complete the Equine Event Liability Application.

 

EQUINE CLUBS AND ASSOCIATIONS

Coverage in the event a lawsuit arises during equine club activities.

Coverage Highlights

• Protects you should bodily injury or property damage occur as a result of club activities during the policy period.
• Available with limits up to $1,000,000 per occurrence.

How to Apply

• Complete the Equine Clubs and Associations Application.