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Horse Farm and Equine Insurance

Why protect your investment with a tailored insurance package? The answer is because a homeowners policy does not cover the risks associated with an equine business!

If your horse farm operations include horse boarding, horse training and/or providing riding instruction, the need for a Farmowners policy exists. Regardless of how small or big your operation is, a homeowners policy doesn’t provide what you need. We work with carriers that offer Farm owners a “horse farm” insurance policy. This is a package policy that can be customized to meet your specific needs. There are many options available to add or expand coverage. Typically, a Farmowners policy will provide, but is not limited to:

  • Replacement cost insurance for your residence and household contents, including coverage for related private structures and even extended replacement cost of 125%

  • Option to include additional residences under your Farmowners policy, and tenant homes.

  • Coverage for your outbuildings, barns, buildings and structures including entrance gates and specialty equipment for horses.

  • Coverage for farm and business personal property, such as machinery and tack, as well as hay and grain supplies; even at secondary locations.

  • Personal liability and commercial liability for your equine business activities is included which provides coverage for third party bodily injury and property damage claims that may be brought against you.

  • Care, Custody or Control coverage can be added with as small as $5,000 per horse/$10,000 per policy limit and up to a $1million per horse/$2million per policy limit.

  • An excess liability policy that provides an extra layer of protection over your farm general liability as well as the commercial auto exposure, and your workers compensation liability.

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