Why do I need insurance?

    - Easy, to protect your investment.  The purpose of this type of insurance is to indemnify you in the event of loss (i.e. put you back in the same financial position you were in before the loss occurred).  Although some horses are irreplaceable, insurance will help you replace your monetary loss.

What is the "Fair Market Value" of my horse?       

    - The value of your horse starts with the purchase price, and can be increased further by show, breeding, or performance records. Half of the training fees paid can be added as well as prizes or monies won.  For homebred foals, the company generally starts with three (3) times the stud fee.

Are vet exams necessary?

    - Not always.  Depending on the insurance company we place your coverage with, a vet exam may not be needed.  For some companies an exam is necessary if the horse is under 1 year old, has been newly purchased, is valued over $25,000 or has had health problems in the past year.  Please contact a representative for details on what paperwork will need to be submitted for coverage.

What do I need to do in the event of a claim?     

    - You will be provided with a 24 hour emergency number for the claims office.  Please have your policy number handy, as well as the horse's name, the date of incident, the attending veterinarian's phone number and any other pertinent information.  You can also contact our office for further instruction at 800-346-3271.  We have representatives on call 24 hours a day for emergencies.

     What is the Equine Warning Law?

    - The Equine Warning Law has been instituted in several states, generally stating that due to the inherent risk of equine activities, an equine professional must be found liable or negligent in order to be held responsible to pay for accidents.  If you are applying for liability coverage, you must submit a Release of Liability form and if required by law, it must include the Equine Warning Law for your state.   Please remember that the Equine Warning Law does not stop someone from suing you.  Having a liability insurance policy will help to provide legal defense in the event of a lawsuit and/or pay for property damage or bodily injury that you are found responsible to pay for.

  Still have more questions?

    - Contact our office during business hours or email us for more information.  Our customer service representatives are knowledgeable and friendly and willing to help you obtain the coverage you need for all your equine activities.