It is important that your horse, an investment, is protected against equine mortality by an insurance company with strong financial background as well as established equine enterprise. Our companies offer this stability through their equine mortality insurance and other quality coverages.

This horse health insurance reimburses you for Veterinary Fees for medical treatment, diagnostics or surgery. We will reimburse you for reasonable and customary Veterinary charges necessitated by accident, injury or illness for your insured horse. Depending upon the company that we place your coverage with your limits and deductibles may vary. You must obtain Mortality coverage in order to get Major Medical coverage. All Major Medical coverage’s include coverage for Surgery.

If your horse becomes totally and permanently incapable of fulfilling the functions for which it is used, as stated on your equine mortality insurance policy, but its condition does not necessitate destruction for humane reasons, you may suffer a financial loss. The Loss of Use extension to the equine mortality insurance policy will pay up to 50% (American Equine) or 70% (Great American) of the animal’s value if the company takes possession and or title to the animal. Great American will pay 50% of the value if you choose to keep your horse.

We provide you with coverage in the event of your stallion becoming permanently and totally incapable of impregnating mares as a result of accident, sickness or disease.

This equine coverage from our insurance companies is very important to you if you perform any commercial equestrian activities such as boarding, instruction, training, breeding, etc. Coverage is provided if you are sued by a third party who is injured or whose property is damaged. The equine insurance policy issued by our company(ies) covers defense costs and pays claims for which you are legally liable up to the policy limits.

Horse Owners are faced with unique liability exposures that may not be adequately covered under normal personal liability policies such as a homeowner policy. Our companies have specifically designed an insurance policy to cover the horse owner’s legal liability for both bodily injury and property damage to others resulting from horse ownership. Individual owners of personal or show horses who do not derive income nor are involved commercially are eligible.

Liability coverage, including defense costs, is available with limits up to $1,000,000. Prices are very competitive, beginning at only $40 per horse, subject to minimum premiums.

Coverage includes the promise to pay all sums you are legally obligated to pay for “Bodily Injury” and “Property Damage” arising from your horse ownership, plus costs to defend you. This includes the cost of bail bonds, pre-judgment interest and expenses you incur in assisting us in your defense, including up to $100 per day loss of income.

Riding clubs and their varied functions pose unique liability exposures, which need specially designed coverage tailored to these needs. Our Riding Club Liability programs have the flexibility to be custom tailored to cover such exposures as premises liability for meetings and fund-raisers, trail rides, boarding, clinics and public events (i.e. shows and parades). The policy can be written on a short-term basis for one-time events or annually.

Coverage is designed to insure the club and its members for sums legally obligated to pay for bodily injury and property damage resulting from club activities. Liability limits are available up to $1 million.

Riding clubs and their varied functions pose unique liability exposures, which need specially designed coverage tailored to these needs. Our Riding Club Liability programs have the flexibility to be custom tailored to cover such exposures as premises liability for meetings and fund-raisers, trail rides, boarding, clinics and public events (i.e. shows and parades). The policy can be written on a short-term basis for one-time events or annually.

Coverage is designed to insure the club and its members for sums legally obligated to pay for bodily injury and property damage resulting from club activities. Liability limits are available up to $1 million.

• Our companies provide broad catastrophic umbrella protection over and above Farm, Auto and Watercraft primary liability coverage. In today’s environment characterized by rising values and an increasingly litigious society, often times primary liability limits of $500,000 to $1,000,000 prove disastrously inadequate to protect your assets.

  The umbrella coverage includes defense coverage plus some additional coverages not included on primary liability policies. Available limits range from $1 million to $25 million with very competitive pricing and a self-retained limit of only $1,000.