Direct Clients

Types of Insurance

Dealing with horses is just as much of an individual process as dealing with people. Each animal has a personality and purpose that offers a unique set of risks to the owner. Of course, there are certain risks that all horse owners and horse operations face on a daily basis. At Ark Agency we work to build a policy or set of policies that keep a client’s needs in perspective. With all of that information in mind, some of the equine insurance coverages that we offer to individuals include:

• Horse Mortality – This type of insurance for horses is comparable to life insurance for us. It comes as either full or limited, based on the needs that you see fit.
• Horse Medical – Most horses will require medical assistance during their lifetime. Insuring their health is a smart idea. Coverage includes surgical and other major medical expenses.
• Horse Loss of Use – This coverage is typically dependent on the age and value of a horse, and comes as either a full or limited policy.
• Equine Liability – A very important type of third party liability coverage that protects you in the event of a horse related claim or lawsuit is made against you or your business. Various limits are available for almost every type of horse activity, and our policies have a zero dollar deductible.
• Farm & Ranch Package Insurance – We offer package policies that include property coverage for your buildings, loss of household personal property, tack and equipment, machinery and livestock, and can usually include personal liability and commercial equine liability.

In addition to the equine coverage we provide, we offer insurance options for cattle and livestock, dogs, and even exotic animals.