OTHER HORSE INSURANCE COVERAGE

Stallion Infertility

Stallion Infertility is covered under accident, sickness and disease coverage. Semen evaluations are required for first year breeding stallions. A specific questionnaire is required to bind coverage.

Surgery Coverage Only

This optional coverage is available and would be utilized in case surgery was needed. However, major medical is recommended, as surgery is included in that coverage.

Emergency Colic Surgery

We offer Emergency Colic Surgery when you purchase our Full Mortality and Theft Coverage. The emergency colic surgery covers up to $3,000. This policy provides coverage if the horse has no history of serious colic problems (i.e., multiple medical colics, or colic surgery.) This coverage is available through selected companies; providing the horse does not have a history of serious colic problems (i.e., multiple medical colics, or colic surgery). The coverage limit is 50% of the insured value with a maximum of $3,000.

Equine Commercial General Liability

This coverage protects the insured in the event a person is injured during an equine activity. This is the basic coverage for this policy which can be amended to include the following exposures:

• Personal Horse Owners Coverage: Provides coverage for personal, non-commercially owned pleasure horses both on and off premises.
• Independent Trainers/Instructors: List all Trainers and Riding Instructors who utilize your facility. Coverage will be provided for those listed while On Premise. If these independents require Off Premise coverage, they must complete their own application. We will provide a quotation to cover your Riding Instructors activities, which will avoid duplication of coverage and cost.
• Equestrian Professional Coverage: Professional Equestrian Errors and Omissions coverage.
• Care, Custody and Control: CCC coverage is to protect you in the event of a lawsuit claiming negligence by the insured or an employee resulting in the injury or death of a horse that is in your Care, Custody and Control. There is NO coverage under the Commercial General Liability for other people's horses in your care.
• Additional Insureds: List land owners and/or owners of facilities leased. Spouses are covered automatically, but if children are of legal age and are part of your commercial operations, they need to be listed as Additional Insureds. Instructors/Trainers and Employees are not qualified. (An Employee is an insured while working within their job description.)
• Products and Completed Operations: Coverage for instances when a product you are responsible for causes bodily injury or property damage. For example, this coverage would protect you if your were serving refreshments at a hosted event/show and a third party became ill from them.

THE ABOVE LIABILITY COVERAGES CAN BE PUT ON ONE POLICY.
THE FOLLOWING LIABILITY COVERAGES CAN BE PURCHASED ON A STAND-ALONE BASIS.

• Personal Horse Owners Liability: Provides coverage for personal non-commercially owned pleasure horses both on and off premises.
• Horse Show Coverage: Liability coverage for the days of a horse show,contest or event including the day before and the day after.
• Club or Association Show Coverage: Liability coverage for meetings, shows and events sponsored by not for profit organizations.