Liability

Farm Umbrella and Excess Insurance

The Farm and Ranch Umbrella and Excess are available to individuals, partnerships, or other organizations that already have an underlying policy with C. Jarvis Insurance Agency. 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 farm, personal, commercial farm, auto, and other underlying coverage.

Farm and Ranch Umbrella and Excess 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 your business includes boarding horses, private lessons, clinics, horse sales and shows or operating a riding academy, liability coverage for bodily injury to others and property damage is imperative.

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

 

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, if you are claimed to be negligent.

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 $200,000 per animal and $500,000 maximum loss per policy year. Higher limits are available.

 

Private Horse Owner's Liability

Private Horse Owner’s Liability Insurance is coverage for the individual horse owner not involved in the commercial use of horse(s).

 

Club and Organizational Liability

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