Whether a horse is purchased for personal or business reasons, ownership represents a significant investment of time, money and resources. While no one likes to think about the potential for tragedy, horses seem to be prone to illness, accidents and injury.Should some peril befall your horse, nothing may ease the emotional burden, but wise planning can help reduce the economic impacts.

The cost of insurance is minimal when compared to the overall costs of maintaining your horses, paying for colic surgery, or paying a lawsuit.

Equine Insurance Programs

Horse Insurance

We know horses, and horse insurance. It’s our goal to provide you with insurance to protect all of your equestrian investments–your horse and business.

Horse Insurance and Equine Insurance suite of products are tailored to fit the needs of professionals and amateurs. Your horse is a trusted partner considered a member of your family.

Your horse is also a valuable investment that you need to protect. Within their environment or as a part of their use, you know equine are susceptible to many perils. You can be prepared to handle these risks by protecting your horse with equine a horse insurance or equine insurance policy

Horse Mortality/Major Medical

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.

Whether you are looking to protect your financial investment or making sure your horse receives the best care in the world, in the event he/she becomes ill or injured Horse Mortality Insurance & Major Medical Insurance is one of the most cost effective ways to achieve both.

Farrier Insurance 

A farrier is a specialist in equine hoof care, including the trimming and balancing of horses’ hooves and the placing of shoes on their hooves, if necessary. A farrier combines some blacksmith’s skills with some veterinarian’s skills to care for horses’ feet.

Farrier Insurance Program and Ferrier Liability Insurance program is designed to respond to the specific needs of a professional farrier.

Legal cases and lawsuits are more prevalent as technology, and information increases to identify the cause of laminitis,lameness, improper hoof angles and/or using pads improperly, more horse owners are likely to point the finger at the farrier when things go wrong.

Equestrian Special Event Insurance for Rodeos, Bull Riding, Trail Rides and more…

We provide special equine insurance solutions for rodeos, horse shows, livestock shows, ropings, pennings, barrel racings, horse expositions and clinics as well as many other equine and rodeo-type events.

 Insurance solutions for the unique needs of the rodeo, equine and livestock industries

Equine Assisted Therapy

Equine Assisted Therapy is an evolving field in which horses are used as a tool for both physical therapy and emotional growth and learning. Many riders experience a connection to the horse that few sports or activities can create.

For those riders who cannot walk, the horse is their vehicle of transport. Not only does this help raise their self-esteem but it also teaches them essential skills. It improves balance, creates trust and creates a friendship between rider and horse.

The benefits of horseback riding are as numerous as the types of disabilities and conditions served. Research shows that students who participate in therapeutic riding can experience physical, emotional and mental rewards.

Personal Horse Owners Insurance

Affordable Horse Insurance with a level of protection you can’t afford to be without… Did you know that if you trailer or even simply ride a horse belonging to another person and an accident occurs, you could be held personally liable? Equine Liability Insurance is a necessity for horse owners, not a luxury. Even if your personal horse gets loose from a boarding stable and is hit by a motor vehicle, the cost of liability can be devastating.

Horse Owners are faced with unique liability exposures that may not be adequately covered under normal personal liability policies such as a homeowner policy.

Riding Club Liability

A riding club or association can be defined as any group that is formed to pursue common equestrian related interests.  Riding clubs and associations form the core of most organized equestrian activity 

Coverage is provided for all club activities on owned or leased premises and products/completed operations and personal advertising injury can be included. Boarding, riding instruction, clinics and special events can be added by endorsement. 

A farm package can also be written for clubs which own property. The basic policy premium includes the first 100 members and seven public events. Shows, clinics, gymkhanas and trail rides held by and for the sole benefit of members are automatically covered at no additional charge.

Care Custody & Control

(Care, Custody and Control (CCC) Insurance Coverage is to protect you in the event you or an employee of your operation is found legally liable for the death, injury, or theft of a horse that is in your Care, Custody, or Control.

This insurance is essential for equestrian business who board or train horses or who are responsible for other people’s horses while showing or racing them. The policy pays all sums you are legally obligated to pay others for damage to horses in your care, custody or control. 

This coverage does not apply to horses you own or lease, which typically are covered by a mortality policy.  Almost all general liability policies exclude coverage for injury or death to any animal in your care, custody or control).

Farm, Ranch, & Estate Insurance