For horse enthusiasts and equestrians, this majestic animal represents invaluable companionship, competition, and even revenue for some. Equine insurance is essential to safeguard horse owners against unforeseen accidents and loss. Whether your horse travels for dressage or cattle cutting competitions or lives on a ranch and is used for work, trail riding, or pure pleasure, you can likely financially protect yourself from the costs of injuries and death with a Livestock Insurance Policy.

Liability Protection

Insurance is a requirement for many public activities, such as at riding schools, boarding stables, equine-assisted services, guided trail rides, show and exhibition use, and more.   Horses are large animals handled and often ridden by humans that may cause unexpected situations. With equine liability insurance, owners can be insured against financial losses should their horse be involved in or cause bodily injury or property damage to a third party. A third party is someone other than the horse owner, family members, and employees thereof.   If you are found liable for such a horse-related incident, an equine liability policy can pay for legal defense as well as claim payouts.

Health Benefits

Just like humans, equine companions can suffer from unexpected illnesses and injuries. From costly surgeries to extensive treatments, major medical and surgical insurance can insure for the costs of treatment.  This type of insurance on your horse can minimize the financial burden of unforeseen health conditions.  It’s recommended to discuss the budget, horse health, age, use, and other relevant details with an equine insurance agent to learn if an insurance policy is available and can be purchased for your needs as a horse owner.

Loss of Use

Loss of Use is a specialty insurance available on some horses for loss of value should they become injured and not be able to perform their usual work. This class of insurance is carefully written to pay the Insured a percentage of the insured value of the horse if it has a partial or full permanent disability.  It is important for a horse owner to understand how this insurance will work in a Loss of Use claim.