Why You Need Insurance

Welcome to Ark Agency

We all need to insure against losses of that which we value, and against potential personal and business liabilities. Why? 1. Because we cannot afford the potential financial loss. 2. Because we may be required to carry insurance by a financial insitution that holds a mortgage or loan on us, or by an owner, part-owner, or lessor of property we are buying or leasing by contract, or by a third party that allows us to occupy their land for some type of use by us. In some instances, such as the employment of staff, we may be required by state law to carry insurance. 3. Because we wish to act in a responsible way for our futures, for that of our families, and / or to those that we come in contact with, or whom we do business with and who trust us. 4. Peace of mind that comes from knowing we are well-insured.  Read More →

Exotic Animal Life Insurance

Insure The Life of Your Exotic Animals – Elk, Bison, Llamas, Alpacas, Camels FULL MORTALITY & THEFT INSURANCE This is a type of insurance for your valuable exotic animals that is similar to a term life policy on a person.  The Full Mortality policy insures against financial loss due to the death of an insured animal that is caused by or necessitated by both natural and accidental causes. Proven Theft coverage is also included.  The animal is insured while in the Continental U.S. and Canada.  [Read more of this review]  Read More →

Horse-Equine Professional Liability Insurance

Insure Your Horse & Equine Professional Activities for Liability If you are a highly trained, skilled, experienced equine professional, you likely have a professional liability exposure that is not easily insured by many insurance companies.  Professionals who should consider this coverage include:  Horse Riding & Driving Instructor, Riding Instructor for the Disabled, Horse Trainer, Horse Training Instructor, Equine Assisted Services Professional to Licensed / Certified Therapists, Therapeutic Services Provider for Horses, Accredited Farrier / Blacksmith & Assistants, Horse Show Officials and Judges, Horse Program Fee Consultant, Horse Farm & Show Facility Design Consultant, Equine Assisted Growth & Development Services Provider, and Professional Horse Groomer. [Read more of this review]  Read More →

Optional Coverage Descriptions

Exotic Animal Mortality

FULL MORTALITY & THEFT INSURANCE A type of insurance for your valuable exotic animals that is similar to a term life policy on a person.  The Full Mortality policy insures against financial loss due to the death of an insured animal that is caused by or necessitated by both natural and accidental causes. Proven Theft coverage is also included.  The animal is insured while in the Continental U.S. and Canada.   To qualify, your animals must be physically sound and in good health.  A current veterinary certificate of health is usually required. Some age and value restrictions may apply.  Read More →

Horse Photo Prop Liability Insurance

Insure Your Horse Photo Prop Business for Liability Are you a photographer who charges a fee for creating a photo set backdrop, perhaps costuming, and a docile horse or pony that a customer stands beside or sits on for photo shoots?  If so, you have a unique business venture that is sometimes not easy to insure for liability by many insurance companies.  Often the photo concession locations are at fairs, corporate events, pony party and pony ride events, at resorts, and rodeos and horse shows.  This activity is often incidental to a larger horse business and can be insured on an annual basis.  Read More →

Why Insure

Horse Rescue

Insure Your Horse Rescue Activities for Liability Horse Rescue is a highly unique activity which is usually carried out by a benevolent non-profit organization, foundation, or entity, but sometimes by an individual.  [We’ll refer to it here as “Rescues” or “The Rescue”] The Rescue provides or facilitates’ shelter, rehabilitation, and re-homing of abused, abandoned, neglected or surrendered horses that come into their care.  Circumstances of acquisition vary, but some horses are voluntarily surrendered when the owners can no longer take care of them, and some are seized through legal proceedings because of improper care and poor condition from owners by agencies such as Animal Control, Animal Authority, County Sheriffs Department, State Bureau of Animal Protection, etc.  Horse Rescues do not usually have any legal authority to investigate or intervene in animal abuse cases.  For protection from liability, it is best if The Rescue is also not involved in assessments of animals that are seized. Those that may be involved with intervention, investigation, and conditions assessment are not insurable under Ark Agency’s liability insurance program.  Read More →

Care Custody and Control Liability Insurance

Do you have horses in your care that are not owned by or leased to you?  If you handle, train, service, care for, or board non-owned horses, you have a Care, Custody and Control Liability (CCC) exposure.  Liability insurance is available for this and you should carefully consider your need for this insurance protection.  You could be held liable by the horse’s owner or insurer for the value of the horse, plus veterinary and surgical expenses.  You may also require costly legal defense if sued.  This type of coverage insures you against financial loss if a non-owned horse in your care becomes sick, injured or dies and the owner (of their insurance company) attempts to hold you responsible for the loss because of your negligence.  This coverage also provides legal defense whether a case against you has merit or not. TO APPLY:  When completing your General Liability application, complete the questions relating to Care, Custody and Control Liability, and a quote will be provided as optional coverage along with your GL Premium Indication.  You may also apply for a separate (mono-line) CCC policy. apply.  Read More →