Equine
Insurance Buying Guide
Despite the most
careful planning, accidents happen, and that is why you need
insurance. The array of equine insurance options can be
intimidating and of the many different types of coverage
available, only some choices may be appropriate for you.
When evaluating insurance products, consider what risks you
have for liability and loss, and then match those risks
against the types of coverage available.
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.
First Choice Insurance
Services
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.
Oak Springs
Insurance Group, LLC
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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.
First Choice Insurance
Services
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.
Oak Springs
Insurance Group, LLC
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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.
First Choice Insurance
Services
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.
Oak Springs
Insurance Group, LLC
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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.
First Choice Insurance
Services
Larry Viegas
Insurance, Inc
Oak Springs
Insurance Group, LLC
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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:
First Choice Insurance
Services
Jorene Mize
Insurance Agency
Larry Viegas
Insurance, Inc
Oak Springs
Insurance Group, LLC
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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.
First Choice Insurance
Services
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.
Oak Springs
Insurance Group, LLC
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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
First Choice Insurance
Services
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.
Oak Springs
Insurance Group, LLC
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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
First Choice Insurance
Services
Fry’s Equine Insurance Agency, Inc.
Hallmark Equine Insurance Agency
Horse Insurance Specialists, Inc.
Jorene Mize Insurance Agency
Larry Viegas Insurance, Inc
McNamara Company
Morningstar Insurance Brokers, Inc.
Oak Springs
Insurance Group, LLC
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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
First Choice Insurance
Services
Horse Insurance Specialists, Inc.
Jorene Mize Insurance Agency
Larry Viegas Insurance, Inc
McNamara Company
Morningstar Insurance Brokers, Inc.
Oak Springs
Insurance Group, LLC
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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
Larry Viegas
Insurance, Inc
Morningstar Insurance Brokers, Inc.
Oak Springs
Insurance Group, LLC
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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
First Choice Insurance
Services
Larry Viegas
Insurance, Inc
Oak Springs
Insurance Group, LLC
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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
First Choice Insurance
Services
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.
Oak Springs
Insurance Group, LLC
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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.
Larry Viegas Insurance, Inc
McNamara Company
Morningstar Insurance
Brokers, Inc.
Oak Springs
Insurance Group, LLC
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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.
First Choice Insurance
Services
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.
Oak Springs
Insurance Group, LLC
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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.
First Choice Insurance
Services
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.
Oak Springs
Insurance Group, LLC
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Additional
Information:
