Mortality, Medical & Surgical

 This insurance policy protects the owner/lessor against the loss of a horse as a result of a covered accident, injury, illness or disease, while also providing coverage for theft of the horse.

Personal Horse Owners Liability

If you own horses but do not operate a commercial horse business, our private horse owner liabilitypolicy can protect you against legal claims that your horse caused bodily injury or property damage to someone on or off your premises.

Commercial Equine Liability

This coverage is designed specifically for all types of horse-related businesses, such as: boarding, breeding, racing, training, riding instruction, horse sales and more.

Owning a horse can be an expensive proposition, especially if you aren’t financially prepared. A horse that becomes seriously ill can cost you a fortune in vet bills. Should the worst happen and your horse doesn’t make it, you will not only be emotionally devastated, but you will lose your financial investment as well. If your horse is stolen and not recovered, you’ll be without a horse and without the funds to buy another one. One way to help protect your horse or horse business and your financial investment is to purchase equine insurance.


My first hand knowledge & experience with horses & farm ownership uniquely qualifies me to help you understand the need of equine insurance


I have been involved with horses & competition for over 40 years. I spent many years training, boarding, breeding, raising foals, working with Thoroughbreds, race horses & barrel horses. If you want an Equine Insurance Agent that can relate to your needs & someone that knows horses, then I can help you.


As an Independent Equine Insurance Agent, I specialize in insurance for horse owners & the activities & events. Whether you're looking for a new policy or wanting to renew an existing policy, I'm here to help with that. There's no need to spend all your time searching for quotes. As a Broker, that's my job. I shop for rates and coverage options so you can continue to do what you do. With many companies to choose from, there is no need to go anywhere else. 


As a professional, Independent Insurance Agent / Broker, I work for you. I represent carefully selected A+ rated insurance companies that offer the best coverage, competitive prices & specialize in equine insurance as I do. 


As a horse owner myself, I understand how hard you work & the financial commitment you have made. I am here to help you protect your financial investment and have peace of mind. Over the years, I have dealt with the sick & injured horses, foals born still born, horses that had to be euthanized, colic surgeries, pulled & bowed tendons, navicular, founder, stifle injuries & you name it. For that reason, is why I understand the financial burden it can be all the while you're not financially or emotionally stable to make decisions. 

Who needs Equine Insurance?  Anybody that owns a horse, has Care, Custody and Control of a horse or anybody that operates an equine business or has events.

What insurance do you need? If you are seeking coverage for your horse(s), you need Mortality in the event of a loss of the horse(s). Major Medical can be an added endorsement for Medical care. If you operate a business, are a Trainer or Instructor, you need Liability coverage along with Care, Custody & Control. For Event coverage you need liability. 

When should you purchase insurance? Before an incident shall occur. As soon as you become the owner of a horse, lease a horse or begin thinking of a business or event, it is a good time to check out your options. As a Broker, sometimes it takes extra time to compare quotes and get you the best premium for your needs. Not being in a rush can save you money.  

Where do you purchase Equine Insurance?  There are many Equine Insurance companies to choose from. Most of them have a select few carriers and can only offer you the ones they represent. At Jackie Wade Equine Insurance, I can offer you several options for I do not just represent a few. I search for companies to be able to offer you the best options. For you, this means you never have to miss work or leave your home to go into an office. Time is money and I handle everything right from the computer. 

Farm Owners

A farm insurance policy combines the standard coverage offered by a personal homeowners policy with commercial property and liability coverage. The benefit of a farm policy is that it can be customized to the needs of the insured.

Equine Transport

If you haul horses, pigs, cattle or other livestock, there are unique risks that you face that demands specialized cargo coverage.

Trucks, Trailers & RVs

Generally, your car insurance coverage will extend to your trailer. However, this typically only applies to liability coverages. If you want better protection for your own property, you will need to have trailer insurance.

Mortality, Major Medical & Surgical * Personal Horse Owners Liability * Commercial Equine Liability * Boarding * Breeding * Training * Race * Care, Custody & Control * Equestrian Schools * Riding Instructors * Saddle Animals For Hire * Trail Rides * Leasing * Sales * Pony Rides * Petting Zoos * Hay, Sleigh or Carriage Rides * Horse Clubs & Associations * Horse Shows, Events, Clinics * Equine Assisted Therapy * Therapeutic Riding * Trail & Endurance Rides * Equine Camp * Rodeo & Stock Contractors * Guides & Outfitters * Dude & Guest Ranches * Horse & Livestock Transport * Farrier Liability & Equine Service * Non Profit Organization * Farm & Ranch *  Truck/Horse Trailers & More