Insurance Farm Packages

• Farm and Ranch
• Farm and Ranch Umbrella
• Stable and Trainer Liability
• Private Horse Owners Liability
• Care, Custody, Control
• Tack and Equipment
• Club and Organization Liability

FARM & RANCH OWNERS INSURANCE

Your farm and horses probably constitute one of the most important investments of your lifetime. Most Homeowner's policies do not cover the special risk of farms, ranches or stable. Buying, breeding, selling, boarding, and training horses are considered business pursuits and as such come with their own special legal liabilities.

Jarvis' Farm and Ranch Owner's Insurance will custom tailor your policy to provide:

• Increased Special Limits on your home's contents and Incidental Coverages.
• Special Form Coverage available for barns, farm buildings and structures.
• Open Perils Coverage available for farm equipment and machinery.
• Farm Operation Records included
• Increased Cost - Ordinance or Law Coverage on your dwelling
• Flexible Policy Liability Options

FARM UMBRELLA INSURANCE

The Farm and Ranch Umbrella is available to individuals, partnerships, or other organizations that already have an underlying policy with C. Jarvis Insurance, Inc. This plan provides "excess" coverage in a specific amount in one reasonable and convenient policy. Its purpose is to protect the insured over and above the liability limits on regular far, personal, commercial farm, auto, and other underlying coverage, such as watercraft.

Farm and Ranch Umbrella insurance provides liability for damages resulting from claims of bodily injury or property damage to tangible property of others arising out of the insured premises, and personal, commercial farm or stable activities and related operations of the insured.

Stable and Trainer Liability

Insurance protection for stable owners, trainers, instructors and people working in the horse business is vital. Whether you engage in boarding horses, giving private lessons, operating a riding academy, giving clinics, or producing horse sales and shows, liability coverage for bodily injury to others and property damage is imperative.

Coverage is provided on an annual basis or for short-term protection for horse shows, sales and clinics.

Tack and Equipment :

This program provides maximum protection for all your important equipment. Coverage pays the lesser of repair or the cost to replace your tack, minus depreciation at the time of the loss. There is NO deductible, so the horseman is fully protected. Protections include damage or loss due to theft, fire, smoke, lightening, windstorm, cyclone, tornado, hail, earthquake, flood, vehicular collision, explosion and similar occurrences.

Also, if tack is damaged due to any covered risk, you will be paid for the entire cost of repairs. Payment for loss will not exceed the amounts shown on the scheduled page for the covered property.

Coverage is not provided for loss cause by wear and tear, defects, insects and vermin.

Care, Custody, and Control:

If you board, train, or breed horses owned by others, it is doubtful, that your general liability policy will protect you from lawsuits should an animal become injured, sick or die while in your care.

Care, Custody, and Control Insurance specifically covers legal liability resulting from the injury, sickness or death of horses you are boarding or training as well as the cost of defending a subsequent lawsuit.

This insurance is a necessity for professional horsemen as well as for anyone caring for horses that belong to others in any capacity.

Limits of liability can be selected from one of several options, up to $100,000 per animal and $300,000 maximum loss per policy year. Higher limits are available.

Private Horse Owner's Liability:

Private Horse Owner's Liability Insurance is equine liability for the individual horse owner, boarding horse(s) off property. Coverage is for the owner who is not engaged in the commercial use of horse(s).

Club and Organization Liability :

Equine Club Liability is a twelve-month policy covering shows, clinics, sales and other events sponsored by clubs or organizations engaged in equine activities.