It is important that your horse operation be protected by a company with a unique equine program. We have an insurer who has a custom designed insurance programs for equestrians. With outstanding protection for not only the backyard enthusiast, but the small commercial venture involved in lessons, boarding, breeding, and training horses as well.
If your farm is less than 50 acres and is not your primary source of income you may qualify for horse hobby farm pricing. If your farm is well managed and maintained, owner occupied and the policy will include your primary residence give us a call to see if you can fit into the Equestrian Estate Program.
Remember to tell us about every structure on your properties and all the equipment and implements so all of the items you value may receive coverage. Besides coverage for your qualifying buildings these are some of the special coverage you can purchase:
Personal Comprehensive Liability
Protects you for your personal liability on or off the farm.
Commercial Farm Liability
Protects you from liability arising out of your farm premises.
Owned and Non-Owned Horses
Boarding, Breeding, Training & Lessons
Independent trainers or instructors can be added as additional insured.
Parade Participation
Practice Events
Incidental Retail Sales (Tack, Clothing, Food up to $3,000)
Care Custody & Control - Horses (If something happens to other peoples horse while your taking care of it.)
Care Custody & Control - Tack (If something happens to other peoples stuff while your are in possession of it.)
Pollution Liability
There is more coverage and limitations than shown here. This is an overview of the program and does not include all policy coverage, limitations and exclusions. For a complete description of coverage, limitations and exclusions refer to the coverage forms. Always read your policy carefully.
Other Types of Farms
Hobby
U-Pick
Small
LargeFor more information and to find out if your farming operation qualifies please contact us insurance@drickardinsurance.com or 607-843-8860.