OUR INSURANCE POLICIES
POLICIES & COVERAGE
FOR HORSES, FARMS & EQUINE FACILITIES
Equine Mortality & Theft
Farm/Ranch
Care, Custody & Control
Farm Auto
Trainer's Liability
Horse Owner's Liability
Worker's Compensation
Mortality/Major Medical & Surgical
Equine Mortality
Equine Mortality insurance reimburses you if a horse dies due to natural or accidental causes in the U.S. or Canada. It also covers cases where a horse needs to be euthanized to end its excessive suffering from a peril insured under the policy, as long as the insurance company agrees.
The insurance becomes active only after the completion and approval of the application and the required veterinary certificate (or Statement of Health for horses valued under $100,000 or as required by a specific insurer). The policy lasts for a year and starts as mentioned in the policy document. If a policyholder cancels, they may still owe some premiums.
Policy Activation and Duration:
- The base insurable value is the horse's purchase price.
- Additional factors can increase the value, such as training costs, transportation from the buying point, race winnings, show achievements, and offspring performance.
- Insurable value does not consider speculative value, sentimental value, replacement costs, or loss of profits.
- For value increase requests, proper documentation is needed. Unaccepted purchase offers don't necessarily increase the value.
Establishment of Values:
- Horses to be insured must be clinically normal and in good health.
- Vet certificate required over $100k.
Applications:
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Equine Mortality & Theft
This is a 24-hour claim service with competitive benefits. Installment plans available and coverage may span from 24 hours to 21 years.
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Major Medical & Surgical
Major Medical can be added to the mortality policy and cannot be purchased by itself. This coverage provides you up to $15,000 of medical and surgical coverage in the event your horse becomes ill or injured.
Surgical coverage reimburses you for surgeries under general anesthesia. Please contact us so we may help you determine the best coverage for you.
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Farm & Ranch
The Commercial Package Policy tailored for equestrian professionals typically covers the majority of their property and liability insurance needs. This policy can be broadly categorized into three sections: Property, General Liability, and Vehicles. Within the Property section, it insures business assets, personal dwellings, high-value items like jewelry and arts, and permanent structures connected to the horse business, such as stables. The policy is flexible, allowing owners to select coverage against various perils, including an All-Risk coverage that protects against almost all types of physical damage. Umbrella may be added.
The General Liability section safeguards against legal liabilities resulting from personal and horse business activities, covering losses that might happen away from the property and medical expenses for injuries on the property. Relying solely on a Homeowner policy for a family horse business can expose owners to considerable risk, as business-related losses are typically excluded.
For those in the horse business, the Vehicles section of the policy can be particularly beneficial. It encompasses both personal and business use of vehicles, ranging from pickups to horse trailers. Additionally, any unlicensed vehicles, like quads, should be explicitly listed for comprehensive coverage. In essence, choosing a combined property and liability package can be a cost-efficient way for horse professionals to ensure thorough coverage and financial security.
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Care, Custody & Control
If you're involved in boarding, training, or breeding horses for others, it's essential to consider specialized coverage.
This policy comes into play if a horse is injured or dies under your care due to your negligence. It will cover the medical care or replacement of the horse up to the specified policy limits. Notably, defense costs in such scenarios are also covered. It's important to recognize that this particular coverage isn't automatically included in a standard commercial policy and needs to be added separately.
Policyholders have the flexibility to choose their liability limits, ranging from $5,000 per animal with a $25,000 maximum per policy, up to $500,000 per animal with a cap of $1,000,000 in losses per annum.
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Farm Auto
Commercial Automobile coverage protects you in the event that you become legally liable for bodily injury or property damage caused by the ownership, maintenance and use of company-owned vehicles. Additionally, Commercial Automobile coverage can include collision (striking of another object by a moving vehicle) and comprehensive (physical damage other than collision) coverage for the vehicles themselves.
The insuring agreements available for coverage as provided under Commercial Automobile coverage are:
Liability
- Comprehensive Coverage
- Specified Causes of Loss Coverage
- Collision Coverage
- Towing
- Glass Breakage
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Physical Damage
Medical Payments Liability
Typically the Commercial Automobile Liability coverage limit is $1,000,000 per occurrence. Collision and comprehensive coverage deductibles range from $500 to $1,000.
Trainer's Liability
Available to professionals who are breeding, boarding, training, instructing and/or operating an equine facility. This policy provides coverage for bodily injury or property damage to third parties arising from declared commercial equestrian activities.
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Horse Owner's Liability
Horse Owners are faced with unique liability exposures that may not be adequately covered under normal personal liability policies such as a homeowner policy. This policy is a specifically designed 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.
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Equine Professional Liability Coverage
Available as an addition to the Trainer’s Liability policy, Equine Professional Liability provides coverage for damages arising from legal liability resulting from any negligent act, error or omission arising out of the insured’s professional equine activities. Coverage can be added to include equine sales.
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Workman's Compensation
Worker’s Compensation benefits employees who get injured or fall ill due to their job responsibilities. While the law mandates Workers’ Compensation Insurance for almost all employment scenarios, determining who qualifies as an "employee" can be intricate.
Some employers might classify workers as independent contractors, thinking they don't require coverage. However, the state uses various tests to determine the status of an individual. A primary factor is the degree of control an employer has over the work. If there's significant control, even a so-called "independent contractor" could be deemed an employee by the courts. Multiple considerations play a role in this determination, such as the right to end the working relationship at will, the nature of the occupation, tools provision, payment methods, and supervision level.
It's essential to note that the default position under the Labor Code assumes a worker is an employee, placing the onus on the employer to prove otherwise. Contractors without a valid license are automatically treated as employees. Even with a valid license, based on the above factors, a worker might still be classified as an employee.
To safeguard themselves, employers should maintain proper documentation like licenses and Certificates of Workers’ Compensation Insurance, especially from contractors and subcontractors. Lack of such documentation can result in additional premium charges under the employer's Workers’ Compensation Insurance policy.
