Equestrian Insurance
Horses are creatures of beauty. Beauty may be in the eyes of the beholder, but horses have inspired artists and poets through the ages. I am awed by the sight of a herd of horses galloping through a field — powerful, independent beasts but stunning to view. They are living art forms that remind us of the natural wonders of the world.
We are pleased to be able to offer the following Equestrian Insurance Products:
Special Coverages for Horse Owners
Equine Property Endorsement
- Up to $10,000 for damage or loss to tack and equipment
- $1,500 for spoilage of animal health products
- $3,000 for replacement of signs
- $3,000 for fences, corrals and pens
Stable Liability
- Liability coverage for stable owners’ operations
Care, Custody and Control
- Covers livestock which are in your care, custody and control
Equine Mortality
- Including accident, injury, sickness and disease
Standard Coverages
Dwelling
- Dwellings and structures attached to covered dwellings
- Trees, shrubs, plants and lawns within 250 feet of a covered dwelling up to $2,000
- Optional coverages: Replacement cost on dwelling (including ordinance and law option)
Other Private Structures
- Unattached garages and structures appurtenant to the dwelling
Household Personal Property
- Increased limits for personal articles and valuables available to meet your needs
Liability Coverages
- Basic and comprehensive liability coverage for bodily injury and property damage to others
- Liability for personal and advertising injury
- Product liability
- Fire legal liability for $50,000
Additional Coverages at No Extra Cost
- Pollutant cleanup and debris removal for $10,000 (can be increased)
- Fire department service charge with no sublimit
- Removal of fallen trees near your residence up to $2,000
- Damage to property removed for safekeeping (for 30 days and up to $100,000)
Additional Living Expenses
- Coverage for necessary increases in living expenses if a covered cause of loss renders your home uninhabitable
Scheduled Farm Personal Property
- Theft of miscellaneous tack and equipment on or away from insured premises
Blanket or Unscheduled Farm Personal Property
- Hay and Feed in the open for certain causes of loss
- Cost of restoring operations records
Other Structures
- Buildings, barns, stables and structures other than dwellings
- Fences, corrals, and pens
- Newly constructed structures automatically covered for $250,000 for 60 days
- Private power and light poles
- Outdoor radio and TV equipment, antennas and towers
- Portable buildings and portable structures
- Improvements and betterments
- Building material and supplies kept on or adjacent to the insured location
Other Optional Coverages and Endorsements
- High Value Dwelling Coverage – provides comprehensive coverages to address the needs of homes valued over $1,000,000
- Disruption of operations
- Higher limits for transportation coverage
- Extra expense you incur to resume normal operations interrupted after a covered cause of loss
- Enhanced pollutant cleanup endorsement (increased limits ranging from $25,000 to $100,000) coverage applies on or away from the insured premises if the discharge is caused by collision, upset or overturn of a vehicle or its trailer
- Watercraft hull coverage
- Sump overflow and water backup from sewers and drains
- Computer coverage endorsement
- Identity Fraud Expense coverage