Goal: Learn about different insurance companies available to covering a farm as well as learning about national and state regulations on the liability and how to protect yourself as a proffesional rider, trainer and instructor.
Commercial Equine Liability:
Designed for any type of business in relation to equines such as boarding, racing, training, breeding, horse shows, riding instruction, horse sales, team practices, clinics etc.
Companies-
Highlights-
Designed for any type of business in relation to equines such as boarding, racing, training, breeding, horse shows, riding instruction, horse sales, team practices, clinics etc.
Companies-
- Markel Insurance
- Allen Financial Insurance Group
- Hallmark Equine Insurance Agency
- Blue Bridle Equine Insurance
Highlights-
- Liability limits of $300,000 to 1 million for bodily injury and property damage.
- Fire legal liability up to $100,000.
- Medical payments up to $5,000.
- Limited professional liability coverages.
- No Liability deductible.
Horse Farm Insurance:
Designed for someone who owns a farm and needs to cover your home and buildings as well as any business on the property. Would benefit someone who needs their property and business covered by insurance.
Companies-
Highlights-
Designed for someone who owns a farm and needs to cover your home and buildings as well as any business on the property. Would benefit someone who needs their property and business covered by insurance.
Companies-
- Markel Insurance
- Nationwide Insurance
- Blue Bridle Insurance
- Farm Family
Highlights-
- Up to one million liability limit.
- Liability for owners home.
- Coverage for farm related buildings.
- Barns, stables, hay sheds, arenas etc.
- Farm personal property coverage.
- Farm machinery, tack, equipment, hay, and seed etc.
- Replacement coverage available on buildings and household contents.
Private Horse Owner Liability:
Designed for private horse owners of under ten horses who do not run a business. It protects owners in the event that a legal claim is brought against them if their horse causes bodily injury or property damage on and off the owner's property.
Companies-
Highlights-
Designed for private horse owners of under ten horses who do not run a business. It protects owners in the event that a legal claim is brought against them if their horse causes bodily injury or property damage on and off the owner's property.
Companies-
- Markel Insurance
- Us Rider
- Laurel Fowler Insurance Broker inc.
Highlights-
- Coverage on and off premises in the United States, Canada, and the United States Territories.
- General Liability up to 3x liability per occurrence limit.
- Medical payments up to $5,000.
If I were to have to choose an insurance for my own farm I would choose a horse farm insurance, because not only would it be my own personal property and farm, I would be running a business off the farm. The business would have to have an insurance policy as well as the rest of the farm.