Ensuring the well-being of your animal companion goes beyond shelter and substance. Horse owners must safeguard their animals against unforeseen circumstances. Whether you’re a recreational rider or operate a professional business, prioritize your horse insurance needs with equine liability insurance and Horse Major Medical/Mortality Insurance.

Third-Party Liability

Equine Liability Insurance intends to provide coverage if the horse causes bodily harm or property damage to a third party. Animals that regularly interact with the public—whether in riding lessons, trail rides, or boarding services—may be found liable in an incident, so investing in an horse insurance is a sound personal and business decision. Without it, owners are at risk of personal financial loss and the future livelihood of the equine facilities.

Accidental Death Coverage

Horses are not only loving companions but also important investments. With an accidental death coverage policy, owners can be financially prepared for any unforeseen event or sudden illness. These events may include a fire at the barn, transport incidents, or excessive injury aftermath, causing financial burdens and losses. A horse insurance policy, like mortality and major medical policy, can cover costs depending on the premium plan and assist the owner during a distressing time.

Loss of Use

Loss of use covers circumstances where the horse cannot perform its primary function due to an accident, injury, or illness. For example, suppose the horse is not qualified to jump at competitions or walk long trail ride routes due to severe injury. In that case, this coverage provides financial protection based on a percentage of its value. With major medical/mortality coverage, horse insurance may help owners secure a portion of their animal’s value to reinvest in a new one.