Equine Insurance Program
Alamosa, Colorado Springs, Fort Morgan, Sterling
You're Building Your Dream, Let Us Protect It
Our Equine Program provides vital protection for stable owners, trainers, instructors, horse owners, private horse owners, and more.
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What You Need To Know About Equine Insurance
Running a successful equestrian business comes with unique risks. Whether you conduct equestrian boarding, training, riding instruction, or breeding operations, we understand those risks and want to help you and your business succeed.
At Leavitt Group of Colorado, we have experience with the unique risks associated with horse ownership. We offer insurance coverage that caters specifically to the needs of horse and barn owners.
Some of the equine insurance programs we offer:
- Horse Ranch & Farm Insurance
- Equine Care Custody and Control
- Equine Professional Liability Insurance
- Equine Trainer Insurance
- Equine Stable & Boarding Insurance
- Workers Compensation for Equine Operations
- Equine Mortality & Major Medical Insurance
- Equine Excess or Umbrella Liability
- Horse Trailer Insurance
Horse Ranch and Farm Insurance
Equine property insurance provides protection for the valuable assets and investments of the business, including horses, equipment, and facilities. Equestrian businesses typically have a high investment in horse stock, which can be worth hundreds of thousands of dollars, and are vulnerable to a range of risks, such as theft, fire, natural disasters, and animal mortality. Having high value property insurance ensures that the business can recover its losses in case of unexpected events.
Equine Care Custody and Control
Care custody and control insurance for horses provides coverage for your legal liability for injury or even the death of a non-owned horse in your care, custody, or control. If your business is boarding or training horses for others, a variety of limits can be added to your commercial liability policy.
Equine General Liability Insurance
Commercial general liability insurance for equine business operations provides coverage for the bodily injury or property damage that can result from your horse boarding, breeding, training, and riding instructions operations. The policy can extend to cover day camps and other riding programs. Note: coverage is not available for certain types of equine business rough stock events.
Equine Trainer/Instructor Professional Liability Insurance
If you plan on running an equine training or instruction operation, a comprehensive horse trainer insurance policy would protect your business in the event of an accident that harmed participants or the animals. Professional horse trainer liability insurance goes above and beyond claims for bodily injury and property damage to include performance claims related to your teaching methods. We can provide a professional liability endorsement in most states.
Equine Farm Package Policy (Stable & Boarding Insurance)
Operating a boarding barn is like running a business. A farm package policy includes stable & boarding insurance, which offers protection for the barns and other structures used in your operations and on your facility's property. We can protect the value of the buildings/barns and the liability associated with operating a boarding business.
Workers Compensation for Equine Operations
Workers compensation coverage at an equine facility provides financial coverage for employees who are injured on the job. The policy covers medical expenses and lost wages for employees who are hurt while working with horses, which can be a physically demanding and dangerous job. Additionally, a comprehensive workers compensation policy can help reduce the risk of lawsuits and provide peace of mind to both employees and business owner.
Equine Mortality & Major Medical Insurance
Mortality & major medical insurance for horses is important as it provides coverage for the death of a horse due to accident, injury, sickness, or disease. Equine medical insurance provides coverage for vet bills incurred as a result from accident, injury, sickness, or disease, such as surgery, hospitalization, and medication.
Equine Excess or Umbrella Insurance
An umbrella policy for an equine business provides additional coverage by acting as a secondary layer of protection, sitting above the primary insurance policies a farm owner may already have in place, such as farm premises or commercial general liability. Umbrella insurance provides additional coverage for horse-related bodily injury or property damage arising out of your equestrian business operations. This is not different coverage but an additional limit of coverage.
Horse Trailer Insurance
Insurance for a horse trailer can protect your trailer from potential threats like theft, damage in a wreck, weather related disaster, and even vandalism. If you frequently transport your own horses, or those non-owned horses boarded at your barn, a commercial auto policy is highly recommended. Many personal auto insurance policies will not provide comprehensive coverage for your horse trailer and leaving a trailer uninsured can add substantial risk to your businesses financial stability. We would insure your truck with the trailer on this policy.
As an equine insurance company, we understand the importance of working with a reliable insurance partner when it comes to horse and farm ownership, which is why we prioritize serving and educating clients.
Our agents have over 40 years of combined experience to guide horse and farm owners across the country through the process of selecting the best coverage for their animals and farms.
We are committed to providing comprehensive coverage, allowing equine business owners to focus on the joys of horse ownership without the added stress of worrying about the unexpected.
To learn more about equine insurance and the coverage options available, request a free insurance quote or call us for immediate assistance.
Frequently Asked Questions
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What insurance do you need for horses?
There are many factors that determine what kind of insurance you would need for horses. Thankfully, there are multiple types of insurance that will protect everything from your horses health to a commercial equine business.
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What is the average cost of equine insurance?
The average cost of equine insurance will be based on your location, number of horses, and the equine activities for which you are involved. A typical mortality insurance policy that includes major medical insurance can range from around $250 - $600 a year and covers anywhere from a $5,000 - $10,000 mortality limit and a $5,000 limit for major medical. For an average sized horse stable or boarding facility, with up to 8 non-owned horses, a comprehensive general liability policy would cost around $1,000 a year for $1,000,000 in coverage. An average farm package policy is $2,500-$5,000 and would include a barn, your home, maybe a tractor, and the liability for boarding up to 8 non-owned horses.
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Does homeowners insurance cover horse liability?
Many homeowners and standard farm policies will exclude coverage for your commercial equine activities. These exclusions are for care, custody, and control, trainer/instructor liability, horse shows, barns used in a business pursuit, and your tack and equipment; all of these are important to consider when engaging in an equine-based business.
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What does an equine policy cover?
There are many types of equine insurance, and each type covers a different aspect of equine ownership or business. We offer policies that cover horse health, training and riding, workers compensation, and equine-related business, property, and equipment.
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What are the benefits of horse insurance?
With a growing number of horses participating in various activities, and horse owners using their property for boarding, breeding, training, and riding instruction businesses, it is very beneficial to have a comprehensive insurance plan in place. Not only can equine insurance benefit you by offering substantial coverage for your horse and business needs, but it can provide significant savings should an accident occur.
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Who needs equine insurance?
Anyone who owns horses for personal or commercial reasons, or operates an equine-related business or property, needs equine insurance. Equestrians of all levels invest time and money into our equine friends. Our coverage options are customizable to meet the specific needs of any horse or equine business owner, ensuring that their horses and businesses are protected.
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Does an equine boarding facility need insurance?
Yes, an equine boarding facility needs to be insured. Typical barn policies will not cover the facility if it is used in a business pursuit, not to mention the thousands of dollars in tack and equipment that also wouldn’t be covered. Contact us about insurance for your equine facility.
