Equine Insurance Carriers Protecting Your Investment

Equine insurance carriers are a vital part of protecting your investment in a horse. Many equine insurance carriers offer coverage for mortality, medical expenses, and liability.

Some equine insurance carriers provide coverage for mortality, which can help you recover the value of your horse if they pass away unexpectedly. This can be especially important if you've invested a lot in your horse's training or breeding.

Equine insurance carriers can also help with medical expenses, which can be costly, especially for chronic conditions. For example, some carriers offer coverage for equine laminitis, a painful and expensive condition.

A reputable equine insurance carrier can also provide liability coverage, which can help protect you in case your horse causes an injury or damage to someone else's property.

Additional reading: Public Liability Insurance and Employers Liability Insurance

Our equine insurance carriers offer specialized expertise and deep knowledge to provide effective insurance coverages for equine-related needs.

They are one of the world's leading providers of equine mortality insurance and related coverages.

Their staff consists of experts in all breeds and disciplines, making them a reliable choice for equine owners.

They bring a wealth of experience and understanding to the table, helping to mitigate risks and provide peace of mind for horse owners.

Their expertise spans various equine disciplines, ensuring that they can cater to the unique needs of different horse owners and operations.

Their insurance coverages are designed to provide comprehensive protection for equine-related risks, including mortality, injury, and other potential losses.

At Marshall+Sterling, they work with multiple top A-rated insurers, bringing decades of industry experience to the table. Their risk advisors and insurance professionals specialize in personalized plans to protect all of your equine investments.

They offer coverages tailored to meet your distinctive needs, whether you're looking for coverage for your horse, equestrian business, or club, farm, or ranch.

Their team takes the time to learn about you, your horses, and your unique needs. They understand the unique issues and challenges you face.

They're dedicated advocates when it matters most – when applying for insurance, when you need advice about your coverage, and in the unfortunate event your horse becomes sick or injured.

Explore further: Explain Common Carrier Cargo Insurance Coverage

Liability insurance is a must-have for horse owners, as it can protect you from financial ruin in case of an accident or injury.

Equine liability insurance covers defense fees and pays claims for which you are legally liable up to the policy limits, as stated in example 1.

You may not be aware that your homeowner policy may not adequately cover unique liability exposures that come with horse ownership.

Our equine mortality coverage can help protect the life of your horse with optional major medical and surgical coverages available, as mentioned in example 3.

Horse owners are faced with a range of liability risks, including bodily injury and property damage to others.

Our individual horse owner coverage and race horse owners coverage can cover your liability for both bodily injury and property damage to others, as stated in example 3.

Our Riding Club Liability Program can be custom tailored to cover such exposures as premises liability for meetings and fund-raisers, trail rides, boarding, clinics and public events, as mentioned in example 3.

Here's an interesting read: Insurance Carrier Will Pick of Coverage If a Claim Is

If you're interested in learning more about liability and risk, consider the following options:

The Elite Endorsement is a valuable addition to your equine coverage, offering enhanced protection for your horses and farm. It's available to add to your farm or ranch policy.

This endorsement provides increased coverage for acquired livestock, with limits of 35% of your scheduled farm personal property coverage limits. In contrast, the base policy only covers 25% of scheduled limits.

You'll also get coverage for emergency stabling or transportation, up to $250 per day, and up to $2,500 in total. This can be a lifesaver in case of an emergency.

Emergency veterinary services are also covered, up to $500 per occurrence, with a total annual limit of $1,000. This can help you cover unexpected vet bills.

Employee tack is covered up to $5,000 per occurrence, with a deductible of $250. This can provide peace of mind for employees who use their own tack on the job.

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Here's a summary of the key differences between the base policy and the Equine Elite endorsement:

Overall, the Equine Elite endorsement is a great way to enhance your equine coverage and protect your horses and farm from unexpected expenses.