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At BrokerLink, we have decades of experience providing insurance solutions to equine owners, stable owners, breeders, and trainers. We understand your horse is priceless. That’s why we’re committed to protecting the things that matter to you the most. Talk to a BrokerLink advisor to ensure you have the coverage you need for all things equine.
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Whether for business or pleasure, you should consider equine insurance if you’re a hobby owner, breeder, trainer, farmer or riding instructor. Equine insurance covers you for losses that include horse-related illness, accidents, and death. It can also cover medical costs, theft of equipment and liability.
Making the decision to own a horse requires a significant investment of time and money. This includes having to ensure you have proper shelter, food, supplies and equipment to properly care for the horse. At BrokerLink, our equine insurance experts will work with you to understand your needs as an equine owner. Our brokers will take the time to create a policy with coverages that fit your lifestyle. Detailed below are some coverages to discuss with your broker.
Coverage for the death of your horse due to an accident, illness or injury. Other coverage options to consider:
Covers major medical and surgical costs for specific disorders outlined in your policy. They may include colic treatment, tendon injury or laceration. Consult your broker about any limits to diagnosis or treatments that are listed on your policy.
Coverage for accidental bodily injury or property damage to a third-party caused by one or more of your horses. Additional liability coverage can be purchased for grooms and stable hands who work with horses either in the barn or while at a competition.
If you’re involved with the custody or control of non-owned horses, you may be held liable for injuries or damage suffered by those animals while under your care. Speak to a broker about the coverages available to you in this situation.
Coverage for loss of equipment or saddlery due to fire or theft (if equipment is locked).
Coverage for loss caused by fire, theft, collision, or overturned vehicle.
Coverage for loss or damage to the contents inside your horse trailer.
If your horse dies within the first 24 months of life, this coverage will cover the purchase price of the horse.
Coverage for transporting your horse, including to shows or for breeding purposes. This may include if your horse goes berserk while travelling by air.
Usually a lump sum coverage if your horse is totally and permanently disabled.
Usually a lump sum coverage if your horse becomes impotent or infertile.
The below optional perils could be added to your coverage, depending on what is offered by your insurance company:
Consult your broker for more coverage details and to ensure you have the coverage you need for your equine operations.
Horses are your passion. They’re an emotional investment as much as they are of time and money. For insurance that protects yourself, your property and your horses and facilities, speak to a BrokerLink Equine expert who understands what is required to care for a horse.
There is typically no waiting period to present a claim once a policy is bound and issued. It is always best to consult your broker when it comes to understanding the full details of your insurance policy and its limitations.
Typically, a veterinary certificate is required if you’re getting full mortality coverage. However, a veterinary certificate may also depend on the requirements of your insurance company, and the value and health of your horse. Contact your insurance advisor to learn more about what documents are needed when insuring your horse.
Each insurance company has its qualifications and guidelines for offering full mortality coverage. You may be able to acquire limited perils coverage for over-age horses, which would protect from losses like fire, transportation accidents and theft. Speak to your insurance advisor about the options available through your insurance provider.
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