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What You Need to Know About Equestrian Program
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
At Leavitt Central Coast Insurance Services, 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
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.
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.