Equestrian Program
Salem

Running a successful equestrian business comes with unique risks. We focus on liability insurance for equestrian boarding, training, riding instruction, and breeding operations.

Many homeowners and standard farm policies will exclude coverage for your commercial equine activities. These exclusions are for care, custody, and control, trainer/instructor liability, horse shows, barns used in a business pursuit, and your tack and equipment; all of these are important to consider when engaging in an equine-based business.

With a growing number of horses participating in various activities such as shows, events, and perhaps therapeutic activities, and horse owners using their property for boarding, breeding, training, and riding instruction businesses, it is important to have a comprehensive insurance plan in place.

This is vital protection for the equine industry, including:

• Ranches & Farms
• Training & Riding Insructrion/Operations
• Clubs & Associations
• Events

At Pacific Risk Management, Inc., we understand the unique risks associated with horse ownership and offer insurance coverage that caters specifically to the needs of horse and barn owners.

How We Can Help

Horse owners invest a lot of time and money into our equine friends. Our coverage options are customizable to meet the specific needs of each client, ensuring that their horses and farm property are protected.

A few of the insurance programs we offer:

• Multi-line Package Policies – Dwellings, farm buildings, liability, auto with one carrier
• Equine Liability Insurance
• Workers Compensation
• Excess or Umbrella Liability

Property

provides protection for the valuable assets and investments of the business, including horses, equipment, and facilities. Equestrian businesses typically have a high investment in horse stock, which can be worth hundreds of thousands of dollars, and are vulnerable to a range of risks, such as theft, fire, natural disasters, and animal mortality. Having high value property insurance ensures that the business can recover its losses in case of unexpected events.

Workers Compensation

provides financial coverage for employees who are injured on the job. The policy covers medical expenses and lost wages for employees who are hurt while working with horses, which can be a physically demanding and dangerous job. Additionally, a comprehensive workers compensation policy can help reduce the risk of lawsuits and provide peace of mind to both employees and business owner.

Commercial Equine General Liability

provides coverage for operations that may include horse breeding, boarding, training, and riding instructions. The policy can extend to cover day camps and other riding programs. Note: coverage is not available for certain types of equine business rough stock events.

Care, Custody, or Control Coverage

provides coverage for your legal liability for injury or even the death of a non-owned horse in your care, custody, or control. If your business is boarding or training horses for others, a variety of limits can be added to your commercial liability policy.

Our Equine Insurance Program includes coverage for the following:

• General liability for bodily injury and property damage
• Equine mortality and major medical

We understand the importance of working with a reliable insurance partner when it comes to horse ownership, which is why we prioritize serving and educating clients.

Our knowledgeable agents are available to answer any questions and guide horse owners through the process of selecting the best coverage for their animals and farms. We are committed to providing comprehensive coverage, allowing equine business owners to focus on the joys of horse ownership without the added stress of worrying about the unexpected.

Frequently Asked Questions

• What are the benefits of horse insurance?
  With a growing number of horses participating in various activities, and horse owners using their property for boarding, breeding, training, and riding instruction businesses, it is very beneficial to have a comprehensive insurance plan in place. Not only can equine insurance benefit you by offering substantial coverage for your horse and business needs, but it can provide significant savings should an accident occur.
• What does an equine policy cover?
  There are many types of equine insurance, and each type covers a different aspect of equine ownership or business. We offer policies that cover horse health, training and riding, workers compensation, and equine-related business, property, and equipment.
• What is the average cost of equine insurance?
  The average cost of equine insurance will be based on your location, number of horses, and the equine activities for which you are involved. A typical mortality insurance policy that includes major medical insurance can range from around $250 - $600 a year and covers anywhere from a $5,000 - $10,000 mortality limit and a $5,000 limit for major medical.  For an average sized horse stable or boarding facility, with up to 8 non-owned horses, a comprehensive general liability policy would cost around $1,000 a year for $1,000,000 in coverage.  An average farm package policy is $2,500-$5,000 and would include a barn, your home, maybe a tractor, and the liability for boarding up to 8 non-owned horses.
• Does homeowners insurance cover horse liability?
  Many homeowners and standard farm policies will exclude coverage for your commercial equine activities. These exclusions are for care, custody, and control, trainer/instructor liability, horse shows, barns used in a business pursuit, and your tack and equipment; all of these are important to consider when engaging in an equine-based business.
• Who needs equine insurance?
  Anyone who owns horses for personal or commercial reasons, or operates an equine-related business or property, needs equine insurance. Equestrians of all levels invest time and money into our equine friends. Our coverage options are customizable to meet the specific needs of any horse or equine business owner, ensuring that their horses and businesses are protected.
• What insurance do you need for horses?
  There are many factors that determine what kind of insurance you would need for horses. Thankfully, there are multiple types of insurance that will protect everything from your horses health to a commercial equine business.
• Does an equine boarding facility need insurance?
  Yes, an equine boarding facility needs to be insured. Typical barn policies will not cover the facility if it is used in a business pursuit, not to mention the thousands of dollars in tack and equipment that also wouldn't be covered. Contact us about insurance for your equine facility.