Horse Farm Insurance

This beautiful Indoor Arena and Stable building has been completed in 2008. The original design includes spacious stalls a wonderful indoor arena space for all season and weather riding and an excellent observation room for parents viewing their children's progress.  Note the adjustable side curtains often found in livestock buildings provide  air circulation and utilizes the natural  light that makes this arena unique and very comfortable.

 Equine & Horse Farms offer unique risks as the nature of horses are unpredictable and possibility of injury is inherent. Whether you are a large boarding and training facility or a startup boarding stable we can secure your farm with reliable coverage.

It is a well know fact that equine operations are very unique and can create a variety of property and liability exposures. We offer a wide range of equine insurance products and services which were created to specifically address the risks of horse owners and boarders. From equine mortality insurance to equine farm property insurance, we have the flexibility to customize an insurance program to specifically fit the needs of our customers.

We provide a complete property and liability insurance packages for most equine properties. For small horse farms, equestrian estate, or commercial equine operations. We can provide an insurance to suit your equine needs.

The new law does not eliminate the need for proper liability insurance. Negligent acts by farm and horse owners which cause bodily injury or property damage are best protected by the proper insurance plan. We will be able to review your needs and provide the coverage that will fit your budget.

Our Equine & Horse Farm Coverage includes:

• Property
• Residence and Contents
• Barns Stables Riding Arenas
• Tack & Supplies Hay and Grain
• Machinery, Tractors and Equipment


Horse insurance is different then homeowners because the form or policy, which is regulated and authorized by the Pennsylvania State Insurance Department, has many different functions and provisions. One difference is that a homeowner policy excludes any commercial or business activity. By definition, farming, including horse farms are a business even if they are not making a profit. The reason the homeowner policy cannot provide for these activities is that it would be unfair to other people who are not involved in these activities to be part of this risk pool. Those activities like boarding horses, riding instruction and even private horse ownership entail an inherent risk that is much greater than a house on a quarter of an acre. Farms have larger acreage which from time to time have guest that are invited and trespassers that are not. The invited guest can get bit, stomped, or kicked by large livestock such as horses or cattle. Uninvited guests, which some consider trespasser can get injured while snowmobiling, hunting, or swimming in farm ponds. How can the farm owner be responsible for trespassers? We are whether it seems fair or not because it is how the courts look at bodily injury. Horses and cattle can also escape from their pasture or barn. When a 1000 pound or larger animal gets out on the road, and hit by a car, the car's damage and any bodily injury is the responsibility of the owner of the animal. Again, Livestock and horses are usually excluded from an unendorsed homeowner's policy. By the way, dog bites are the number one liability claim on homeowner policies. Many homeowner companies use a list of dogs that will make a home ineligible to insure if the owner has one of the dogs on that list. German Shepherds, Doberman Pinchers, Pit Bull, and rotweillers are a few of these dogs. A farm policy may consider these dogs more favorably as some are work dogs and are commonly found there. Tractor accidents are also a risk found on a farm. Operating tractors can be very dangerous and also are a common liability claim. Many tractors drive on public roads towing large pieces of equipment. Impatient drivers often pass in the worst locations and usually claim the farmer cut them off. The liability whether at fault or not is provided by the farm policy. Legal defense is costly. If a horse farm or crop farmer is sued the legal defense is included as part of the coverage on the policy. It is almost like have an attorney on a retainer.

Liability
Boarding, Lessons, Training, Shows, Clinics
Carriage, Sleigh And Hay Rides
Care, Custody & Control of Boarded Horses

CARE, CUSTUDY AND CONTROL

Designed to protect and defend the insured in the event that an animal belonging to someone else dies or suffers an injury as a result of possible negligence. (Recommended for Breeders, Instructors, Trainers, & Boarding Barns.)

Livestock Mortality With Collic Surgery
Commercial Automobile
Commercial Umbrella