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Equine Farm & Ranch Policies

This policy is custom designed to meet the insurance needs of today’s horse farm owner. The farm policy offers both flexibility and broad protection at a competitive price. Whether you operate your horse farm as an individual, partnership, or a corporation we can tailor make the necessary insurance protection.

Coverage is available for all of your different types of farm structures. From the dwelling you live in, including your contents and personal property, to your barns and other farm outbuildings. Also, you can talk to your agent about insuring other types of property such as jewelry, furs and antiques which require special attention. We offer you a broad range of coverage choices, from the basic coverage of named perils protection to a special all risk protection which is the most comprehensive coverage that we offer.

The farm policy recognizes that many people not only work on their farm, but live there. Therefore, in addition to covering the farm operation, the policy can be tailor made to handle the needed protection for a homeowner or family who also lives on a horse farm.

The farm policy will also insure you against farm liability up to the stated limits of the policy. Coverage is available for small individual operators or commercial equine operations with policy limits up to $1,000,000*. When a person is injured or someone else’s property is damaged as a result of your farm activities we will, subject to the exclusions in the policy, settle claims for which you are legally liable. Most equine operations are eligible, including but not limited to show, personal use, boarding, training, breeding and riding instruction operation facilities.

Certain exclusions and limitations apply to the Farm policy so please refer to the policy itself for more information. This material is not the policy itself and it is designed only to describe its contents. It is important to discuss all the coverage provided and exclusions contained in the policy with your agent before purchasing any insurance plan.

Download the Equine Farm & Ranch Application here

*Excess and Umbrella Coverages are available – please contact us directly to discuss available limits and application.