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Care,
Custody and Control (CCC) Coverage
Commercial
Equine Liability Coverage
Farm
and Ranch Coverage
Workers’
Compensation Coverage
Horse
Trailer Insurance
Equine
Mortality and Theft Coverage
Major
Medical and Surgical Coverage
Loss
of Use Coverage
Stallion
Infertility Coverage
Named
Perils Coverage
Short-term
Transit Coverage
Horse
Owner Liability Coverage
Race
Horse Owner Liability Coverage
Riding
Club and Other Group Coverage
Show
and Event Liability
Care,
Custody and Control (CCC) Coverage
Target audience:
Boarding stables, breeding farms, trainers and other
commercial equine operations who take on the responsibility of
caring for others’ horses
Typically
covered: Risk of loss or injury to another person’s
horse in your care. Example: Your
ranch hand doesn’t latch the gate securely, the boss mare
lets the other horses out into the alfalfa field and several
horses founder as a result.
Not
typically covered: Risk of loss or injury caused by
horses in your care, loss or injury to your own horses. Example:
Those same loose horses get into the parking lot and chew the
paint off of several boarders’ cars.
Companies
offering CCC coverage:
Ace
Insurance Services, Inc.
Agri-Risk
Services Inc.
Cheval
Insurance, Inc.
Equine
Insurance Center
Equine
Insurance Specialists
Equisure,
Inc.
Fry’s
Equine Insurance Agency, Inc.
Hallmark
Equine Insurance Agency
Horse
Insurance Specialists, Inc.
Jorene
Mize Insurance Agency
Larry
Viegas Insurance, Inc
Markel
Insurance Company
McNamara Company
Morningstar
Insurance Brokers, Inc.
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Commercial
Equine Liability Coverage
Target audience:
Horse-related businesses, including boarding stables, breeding
farms, trainers and sales barns
Typically
covered: General liability relating to operating your
equine business. Example: While on
your property, a client drives over some used nails you left
in the driveway, resulting in six blown tires on your
client’s truck (unfortunately for you, the truck was a
dually!).
Not
typically covered: Risk of loss or injury to another
person’s horse in your care. Example:
One of your client’s horses walks over those same nails and
gets one stuck in her hoof, causing an abscess.
Companies
offering Commercial Equine Liability coverage:
Ace
Insurance Services, Inc.
Agri-Risk
Services Inc.
Cheval
Insurance, Inc.
Equine
Insurance Center
Equine
Insurance Specialists
Equisure,
Inc.
Fry’s
Equine Insurance Agency, Inc.
Hallmark
Equine Insurance Agency
Horse
Insurance Specialists, Inc.
Jorene
Mize Insurance Agency
Larry
Viegas Insurance, Inc
Markel
Insurance Company
McNamara Company
Morningstar
Insurance Brokers, Inc.
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Farm
and Ranch Coverage
Target audience: Farm and
ranch owners
Typically
covered: Loss to real and personal property.
Example: While you are away at a show, someone enters your
property and steals your manure spreader and several thousand
dollars’ worth of feed.
Not
typically covered: Loss of livestock, general
liability. Example: The same burglar
steals several of your horses and then on the way out, backs
into your client’s trailer, which you charge her to park on
your property.
Companies
offering Farm and Ranch coverage:
Ace
Insurance Services, Inc.
Agri-Risk
Services Inc.
Cheval
Insurance, Inc.
Equine
Insurance Center
Equine
Insurance Specialists
Equisure,
Inc.
Fry’s
Equine Insurance Agency, Inc.
Hallmark
Equine Insurance Agency
Horse
Insurance Specialists, Inc.
Jorene
Mize Insurance Agency
Larry
Viegas Insurance, Inc
Markel
Insurance Company
McNamara Company
Morningstar
Insurance Brokers, Inc.
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Workers’
Compensation Coverage
Target audience: Employers
Typically
covered: Injuries to employees incurred as part of
their job. Example: Your assistant
trainer is long-lining a squirrelly two-year-old stud colt,
who kicks out and breaks her jaw.
Not
typically covered: Losses caused by your employees. Example:
The same squirrelly colt then gets loose from your assistant
and wraps the trailing long lines around a pipe, pulling it
loose and causing a flood.
Companies
offering Workers’ Compensation coverage:
Cheval
Insurance, Inc.
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Horse
Trailer Insurance
Target audience: Horse
trailer owners
Typically
covered: Damage/loss to your trailer.
Example: The barn bozo backs into your trailer, denting the
side, and drives off before anyone notices.
Not
typically covered: Damage/loss caused by your trailer. Example:
When pulling out of the grounds to get your trailer fixed, you
back into the tie rack, knocking it over.
Companies
offering Horse Trailer coverage:
Jorene
Mize Insurance Agency
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Equine
Mortality and Theft Coverage
Target audience: Owners of
valuable horses
Typically
covered: Theft and death not caused by the owner’s
negligence or willful misconduct. Example:
Your horse is struck by lightning while out in the pasture.
Not
typically covered: Death caused by the owner’s
negligence or willful misconduct. Example:
You feed your horse moldy hay by accident, he colics and dies.
Companies
offering Equine Mortality coverage:
Ace
Insurance Services, Inc.
Agri-Risk
Services Inc.
Cheval
Insurance, Inc.
Equine
Insurance Center
Equine
Insurance Specialists
Equisure,
Inc.
Fry’s
Equine Insurance Agency, Inc.
Hallmark
Equine Insurance Agency
Horse
Insurance Specialists, Inc.
Jorene
Mize Insurance Agency
Larry
Viegas Insurance, Inc
Markel
Insurance Company
McNamara Company
Morningstar
Insurance Brokers, Inc.
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Major
Medical and Surgical Coverage
Target audience: Owners of
valuable horses
Typically
covered: Certain types of surgery and other expensive
medical procedures. Example: Your
horse develops a tumor that must be removed, requiring major
surgery.
Not
typically covered: Routine medical procedures. Example:
There is an outbreak of a rare disease in your area and your
veterinarian recommends an expensive vaccine.
Companies
offering Major Medical and Surgical coverage:
Ace
Insurance Services, Inc.
Agri-Risk
Services Inc.
Cheval
Insurance, Inc.
Equine
Insurance Center
Equine
Insurance Specialists
Fry’s
Equine Insurance Agency, Inc.
Hallmark
Equine Insurance Agency
Horse
Insurance Specialists, Inc.
Jorene
Mize Insurance Agency
Larry
Viegas Insurance, Inc
Markel
Insurance Company
McNamara Company
Morningstar
Insurance Brokers, Inc.
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Loss
of Use Coverage
Target audience: Owners of
valuable performance horses
Typically
covered: Permanent disability. Example:
Your reining horse steps into a gopher hole in the pasture and
fractures his coffin bone, causing permanent lameness.
Not
typically covered: Temporary disability, death. Example:
The same horse gets a splint, causing temporary lameness.
Companies
offering Loss of Use coverage:
Ace
Insurance Services, Inc.
Agri-Risk
Services Inc.
Cheval
Insurance, Inc.
Equine
Insurance Center
Equine
Insurance Specialists
Fry’s
Equine Insurance Agency, Inc.
Hallmark
Equine Insurance Agency
Horse
Insurance Specialists, Inc.
Jorene
Mize Insurance Agency
McNamara Company
Morningstar
Insurance Brokers, Inc.
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Stallion
Infertility Coverage
Target audience: Breeding
stallion owners
Typically
covered: Permanent loss of fertility/breeding ability. Example:
You purchase a Breeders’ Cup winning stallion. Two years
into your breeding program, he becomes sterile.
Not
typically covered: Death. Example:
The same stallion colics and dies.
Companies
offering Stallion Infertility coverage:
Ace
Insurance Services, Inc.
Agri-Risk
Services Inc.
Cheval
Insurance, Inc.
Equine
Insurance Center
Equine
Insurance Specialists
Horse
Insurance Specialists, Inc.
Jorene
Mize Insurance Agency
McNamara Company
Morningstar
Insurance Brokers, Inc.
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Named
Perils Coverage
Target audience: Horse
owners who don’t want (or can’t get) coverage under
mortality or major medical coverage
Typically
covered: Death from certain causes, e.g., fire.
Not
typically covered: Death from illness.
Companies
offering Named Perils Coverage:
Ace
Insurance Services, Inc.
Cheval
Insurance, Inc.
Equine
Insurance Specialists
Hallmark
Equine Insurance Agency
Horse
Insurance Specialists, Inc.
Jorene
Mize Insurance Agency
Morningstar
Insurance Brokers, Inc.
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Short-term
Transit Coverage
Target audience: Horse
owners hauling their horses on a short-term basis who don’t
have mortality or major medical coverage.
Typically
covered: Death during transit.
Not
typically covered: Injuries during transit.
Companies
offering Short-term Transit coverage:
Ace
Insurance Services, Inc.
Equine
Insurance Specialists
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Horse
Owner Liability Coverage
Target audience: Horse
owners concerned about being liable for their horse’s
actions.
Typically
covered: Injuries or property damage caused by your
horse. Example: Your horse kicks a
mountain biker while on the trail.
Not
typically covered: Business activities relating to your
horse. Example: You use your horse
for giving riding lessons and one of your students is injured.
Companies
offering Horse Owner Liability coverage:
Cheval
Insurance, Inc.
Equine
Insurance Center
Equine
Insurance Specialists
Fry’s
Equine Insurance Agency, Inc.
Hallmark
Equine Insurance Agency
Horse
Insurance Specialists, Inc.
Jorene
Mize Insurance Agency
Markel
Insurance Company
McNamara Company
Morningstar
Insurance Brokers, Inc.
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Race
Horse Owner Liability Coverage
Target audience: Race horse
owners
Typically
covered: General liabilities associated with race horse
ownership. Example: Your young colt
jumps into the grandstand during his maiden race, injuring
several spectators.
Not
typically covered: Injury/loss of the horse, liability
associated with activities that are more than mere ownership. Example:
While jumping into the grandstand, the colt you’ve been
training breaks his leg, ending his racing career.
Companies
offering Race Horse Liability coverage:
Agri-Risk
Services Inc.
Equine
Insurance Center
Equine
Insurance Specialists
Fry’s
Equine Insurance Agency, Inc.
McNamara Company
Morningstar
Insurance Brokers, Inc.
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Riding
Club and Other Group Coverage
Target audience: 4-H clubs,
pony clubs and other horse-oriented clubs that host mounted
activities
Typically
covered: Injuries, losses and property damage that
occurs during club activities. Example:
While out on a hunt, a member’s horse throws him and runs
through a tomato field on his way back to the barn, causing
damage to the farmer’s tomato crop.
Not
typically covered: Contractual and other disputes
relating to club events. Example: The
roach coach operator’s contract states that your club must
make up the difference in cash if he doesn’t sell $1500 of
food and beverages during the show. Unfortunately, it snows on
the day of the show, so the turnout is poor and he only makes
$500.
Companies
offering Riding Club and other Group coverage:
Ace
Insurance Services, Inc.
Agri-Risk
Services Inc.
Cheval
Insurance, Inc.
Equine
Insurance Center
Equine
Insurance Specialists
Equisure,
Inc.
Fry’s
Equine Insurance Agency, Inc.
Hallmark
Equine Insurance Agency
Horse
Insurance Specialists, Inc.
Jorene
Mize Insurance Agency
Larry
Viegas Insurance, Inc
Markel
Insurance Company
McNamara Company
Morningstar
Insurance Brokers, Inc.
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Show
and Event Liability
Target audience: Operators
of horse shows, clinics and other events.
Typically
covered: Injuries, losses and property damage resulting
from club activities. Example: The
loudspeaker squeals loudly during your dressage clinic,
causing several horses to spook and throw their riders. Chaos
ensues, during which several riders are injured.
Not
typically covered: Contractual and other disputes
relating to events. Example: One of
the instructors for your dressage clinic does not show up, and
some participants demand a refund.
Companies
offering Show and Event coverage:
Ace
Insurance Services, Inc.
Agri-Risk
Services Inc.
Cheval
Insurance, Inc.
Equine
Insurance Center
Equine
Insurance Specialists
Equisure,
Inc.
Fry’s
Equine Insurance Agency, Inc.
Hallmark
Equine Insurance Agency
Horse
Insurance Specialists, Inc.
Jorene
Mize Insurance Agency
Larry
Viegas Insurance, Inc
Markel
Insurance Company
McNamara Company
Morningstar
Insurance Brokers, Inc.
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Additional
Information:
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