Personal Horse Owner’s Liability

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If you are NOT involved in any commercial activities, you can obtain liability coverage for your horses that will insure you on and off premises. This policy would protect you in the event that your personally owned horse(s) damaged property or injured a third party.

Limits available:

$500,000 per occurrence/$1,000,000 aggregate

$1,000,000 per occurrence/$2,000,000 aggregate

Excess limits available upon request.

We highly recommend the $1 million/$2 million coverage limits. This is because damages can be costly – even with one horse.

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Loss of Use will NOT respond if the horse is permanently disabled due to:

Pre-existing conditions

Arthritis

Degenerative joint disease

Navicular

Infertility

This is NOT a short-term disability policy. In the event of a claim, the diagnosing veterinarian must state that the horse is permanently unable to perform the intended use ever again.

This coverage requires specific paperwork, applications, as well as an extensive veterinary examination.

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Call us today to see how we can help you with your farm and equine needs.