What You Need to Know !!

Protecting Your Equine Investment, Lifestyle, and Property

Whether you're managing a luxury equestrian estate or a small private barn, horse farms face a unique set of risks. Standard homeowners or general farm insurance policies often fall short in protecting equine operations. That's why farm and ranch insurance explicitly tailored for horse properties is essential.

Why Horse Properties Need Specialized Coverage

From valuable horses to custom-built barns, fencing, arenas, equipment, and staff, horse farms encompass a range of exposures that combine residential, agricultural, and commercial elements. A loss doesn't just affect property; it can also disrupt businesses, livelihoods, and animal welfare.

Common risks include:

• Barn fires and total loss
• Loss of income from canceled shows or training downtime
• Gaps in liability protection for boarders, trainers, or students
• Damage or theft of tack and equipment
• Injuries to employees or horses in your care

Horse properties aren't one-size-fits-all. Insurance shouldn't be either.

• Key Coverage Types for Equine Farms and Ranches
  A comprehensive farm and ranch policy for equine operations should include more than just basic property coverage. Here are essential protections to consider:
• A Farm, Ranch, and Liability Policy
  A bundled approach that can include property, liability, structures, equipment, and more — all tailored to horse operations.
• Dwelling & Outbuildings
  Coverage for your home, barns, arenas, run-ins, hay storage, and any other structures.
• Equine Liability Insurance
  Protects you if someone is injured on your property or while interacting with your horses.
• Care, Custody, or Control (CCC)
  If you board, train, or transport horses owned by others, this coverage protects you in the event of injury, illness, or death of a non-owned horse.
• Workers' Compensation & Employer's Liability
  If you employ barn staff, grooms, or trainers, you may be required by law to carry this in your state.
• Farm Equipment and Equipment Breakdown
  Coverage for tractors, gators, and electrical systems in climate-controlled barns.
• Auto & Excess Liability
  Protects farm vehicles and trailers, providing an additional layer of protection against lawsuits.
• Tack Coverage
  Covers valuable tack often excluded from standard policies.
• Professional Liability
  Coverage against claims of negligence for instructors and trainers.
• Personal Horse Owner Liability
  Protects individuals who keep horses for personal enjoyment.

Who Needs This Coverage?
If any of these describe your operation, you're a candidate for specialized equine farm and ranch insurance:

• Boarding barns and training facilities
• Private farms with multiple horses
• Equestrian estates with staff or employees
• Properties with riding arenas, trails, or lesson programs
• Farms offering horse transport or breeding services

High-Risk Areas to Consider
Common and costly claims include:

• Fires in hay storage or barns with outdated electrical systems
• Loss of income due to an injured horse or facility damage
• Property theft (tack, trailers, tools)
• Liability claims from visiting riders or students
• Employee injuries — especially if workers comp isn't in place

Choosing the Right Insurer
When evaluating an insurer for your equestrian farm, look for:

• Experience with equine operations
• Customizable policy options
• Knowledge of regional risks
• Responsive claims handling

FAQ: Farm and Ranch Insurance for Horse Owners

1. What's the difference between farm insurance and equine farm insurance?
   Traditional farm policies may cover crops and cattle, but often exclude horses, tack, and commercial use of equine property.
2. Does my homeowner’s insurance cover my barn and horses?
   In most cases, no. Especially if horses are boarded or riding lessons are provided.
3. What is Care, Custody, or Control coverage?
   CCC protects you if a non-owned horse is injured or dies while in your care.
4. Is workers comp required for horse farms?
   Laws vary by state, but it's strongly recommended — and often required.
5. How much coverage do I need for tack and equipment?
   It depends on the replacement value. Keep an inventory.
6. Are shows or events covered?
   You may need special event coverage if you host competitions or clinics.

Final Thoughts

Owning and managing a horse property is a lifestyle — but also a serious business. Ensuring you have the right insurance in place protects not only your assets, but also your passion and peace of mind.

If you're not sure whether your current policy is up to par, or you're building your dream barn and want to start smart, talk with a trusted equine insurance provider. One such provider, C. Jarvis Insurance Agency, has decades of experience working with horse farms nationwide and offers personalized solutions for even the most complex equestrian properties.

Next Steps:

Want to protect your horse property with confidence? Reach out for a customized consultation with a provider who understands your world.

Understanding Major Medical Insurance for Horses: 

What Every Owner Needs to Know.

Owning a horse means welcoming a beloved member into your family. They are companions, partners, and sources of immense pride and joy, deserving the very best care. Major Medical Insurance for horses is one of the most critical policies an owner can obtain, providing essential financial protection against unexpected veterinary expenses. Whether your horse is a competitive athlete, a treasured breeding stallion, or a cherished friend, this insurance ensures you can always give them the care and attention they deserve without worrying about financial strain.

What is Major Medical Equine Insurance?

Major Medical Insurance for horses functions similarly to hospitalization insurance for humans. It helps cover the cost of catastrophic and unexpected veterinary treatments for illness, injury, or disease, including diagnostics, surgery, medications, and hospitalization. Major Medical policies help cover the costs of emergency medical care, allowing horse owners to afford the best treatment options for their trusted equine companions.

What Does It Cover?

While coverage details can vary by provider, Major Medical Insurance typically includes:

• Veterinary diagnostics: X-rays, MRIs, ultrasounds, and other essential tests for your horses are often pricey.
• Surgical procedures: Coverage for necessary surgeries, including colic surgery, which is often very costly!
• Hospitalization: Costs associated with extended veterinary care at a clinic or Equine Hospital.
• Medication and treatment: Prescription medications, injections, and therapy can quickly accumulate during an illness or injury.
• Specialized care: Treatments such as regenerative therapies, rehabilitation, or alternative therapies like acupuncture or chiropractic care (if specified in the policy).

What It Does NOT Cover: 

It's equally important to understand what Major Medical Insurance does not cover. Exclusions typically include:

• Routine care: Vaccinations, dental care, and annual check-ups.
• Pre-existing conditions: Any illnesses or injuries diagnosed before coverage begins.
• Elective procedures: Procedures not deemed medically necessary.
• Breeding-related expenses: Unless specifically included in the policy.
• Ongoing treatment for chronic issues such as arthritis and laminitis

Why Do You Need Major Medical Insurance?

Medical emergencies can arise anytime, and veterinary costs can escalate quickly. A single emergency surgery, such as colic surgery, can range from $6,000 to $15,000 or more. Without insurance, owners may face difficult decisions based on financial constraints rather than the best care available for their horses. Major Medical Insurance provides peace of mind, ensuring you can make the best health decisions for your horse without worrying about exorbitant costs.

How to Choose the Right Policy:

When selecting a Major Medical Insurance policy for your horse, consider the following factors:

• Coverage Limits: Policies often have limits per incident or year. Ensure the coverage is sufficient for potential medical costs.
• Deductibles and Premiums: Higher deductibles can lower premium costs but may require more out-of-pocket expenses when making a claim.
• Exclusions and Limitations: Read the fine print in your policy to understand what is not covered.
• Reimbursement Process: Some insurers reimburse owners after submitting claims, while others work directly with veterinary clinics.
• Reputation and Customer Service: Work with a reputable provider known for excellent customer service and claim processing efficiency.

Final Thoughts:

Major Medical Insurance for horses is an essential safeguard for horse owners, ensuring that financial limitations never compromise the health and well-being of their equine partners. Whether you are an experienced equestrian or a first-time horse owner, having the right insurance policy can make all the difference in providing the best care possible.

Investing in Major Medical Equine Insurance is not just about protecting your horse—it's about securing peace of mind and ensuring that you are financially protected from any unexpected health challenges that may arise from owning a horse.

If you have questions about finding the best coverage for your horse, contact a trusted equine insurance provider to explore your options and tailor a policy that meets your specific needs.

Disclaimer:
This information is provided for educational purposes only and should not be taken as professional or legal advice. For personalized guidance, please consult a licensed insurance agent.

We recognize there are many choices when it comes to equine insurance, and we genuinely appreciate the trust our clients place in us. If you have questions or would like a complimentary quote tailored to your horse’s specific needs, the experienced team at C. Jarvis Insurance Agency is always here to help.