Farm and Ranch owners have unique needs, and it’s important to work with an agent that is knowledgeable in these areas.
Here is what our clients have to say about us
Farm & Ranch
Farm and Ranch policies offer Liability coverages that are not contemplated in the regular home owners policies. You can also add coverage for your hay, tack, equipment & implements, irrigation equipment, crops, herds, and animal collision. A very important coverage for boarding facilities to consider is Care, Custody, and Control. Contact us for more information.
Equine Mortality
Also referred to as “horse insurance”. Horses are a major investment. Equine Mortality policies generally pay out in the event of death or theft of the animal. They are meant to return the owner to the financial standing they were in before the loss. The value of the horse is agreed upon when the policy is initially written. If you are asking to insure your horse for significantly more than what you paid for him, you will have to complete a “Substantiation of Value” form showing money you’ve invested in training, winnings etc… The pricing varies based on age and discipline.
Some of these mortality policies include coverage for emergency colic surgery, but most people choose to add medical/surgical coverage. These are meant to cover diagnosis and treatment of accidents, illnesses and injury, not routine maintenance.
Event Insurance
If you are hosting a clinic, or producing a show or event, we can help. Whether it’s one event or many throughout the year, we’ve got a policy to meet your needs.
Trainers Liability
Accidents happen… A trainer is constantly working with unfamiliar horses. A Trainers Liability policy is highly advised.