Essential Aspects of Horse Insurance

February 20, 2024 by Shelby Marsh

Owning a horse, making them useful, and caring for them can be a lot of work and a significant investment for which insurance protections may be available. As a cherished member of your family or a crucial part of your business, it’s necessary to have an insurance program that protects the horse owner from the costs of unforeseen health incidents. Horse insurance (Horse Mortality) usually covers loss by death in travel and other types of accidents and for loss due to disease conditions that are not pre-existing.  Major Medical, Medical Insurance and Surgical Insurance are available on most healthy horses and can defray the costs of health condition emergencies that arise.  


Whether you’re transporting your horse for competition, for breeding, or as part of a sales agreement, an equine life and/or transportation insurance policy ensures that you are safeguarded against the costs of travel-related loss.  Before traveling with your horse, review your policy with an agent to understand national or international transportation coverage and protection.


Illnesses and injuries can occur unexpectedly and could significantly impact the owners’ finances. Comprehensive health policies are tailored to address the specific health needs of our horses.  Inquire with an equine insurance specialist about coverages and limitations so you can make an informed insurance decision.


Equine-related activities, like handling, trailering, driving, or riding, involve the risk of injury to a bystander or other third party and are insurable exposures.  Damage to the property of a third party is also an insurable exposure, such as a horse running into or kicking a parked vehicle, getting out of its enclosure and into the road and way of an oncoming car, or when escaping its enclosure and damaging a nearby lawn.  Horses are large, fast, and sometimes unpredictable. If you own a horse, it is extremely important for you to be sure you have liability insurance that specifically covers horses both on and off-premises and when ridden and not ridden.

Ranch insurance is a multiperil policy that usually includes liability insurance on your horses as well as property insurance on dwellings, barns, outbuildings, and personal property.  It is an essential class of insurance to carry for horse and ranch owners.   Liability insurance can be purchased as a separate policy should your Ranch or Farm Insurance not adequately insure your horse’s uses and range.  An equine insurance specialist can help you figure it out.

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