||The Equestrian Group stands for
innovation and quality in the horse insurance community. In
fact, we invented many of the equine policy forms and endorsements now
considered standard coverage for the horse industry today.
||Thanks to over forty years of underwriting experience The
Equestrian Group has developed these affordable high quality insurance programs
for your protection. This guarantees our clients the highest quality insurance products at the
most competitive premiums.
- Equine Mortality &
- We designed this vital coverage to insure your
horse against death from almost any cause. The mortality policy includes
humane destruction made necessary by an illness
or accidental injury. Our policy is unique in the
industry as the basic form includes coverage for
theft and colic surgery at no additional
rates, comprehensive worldwide coverage,
telephone binders and 24 hour claim service makes
this your policy of choice.
Application or get an On-Line Mortality
- Horse Show,
Rodeo & Special Event Liability
- Millions of people each
year attend horse shows, rodeos, fairs,
festivals, trail rides and special events covered
by Equestrian Group insurance programs.
This affordable and comprehensive policy is
underwritten by A+ national insurance
companies. The horse show organization,
officials, committee members, judges, course
designers and premises owners are all
automatically included as additional insureds.
You also get state-of-the-art liability releases
and show contracts at no additional charge!
Race Horse Owners Liability
This liability policy is to cover the
unique liability exposures of Race Horse Owners for injury or damage
caused by the horses. Individuals, partnerships, corporations and
syndicates which own racing stock (including stallions at stud, brood
mares and yearlings) but are not directly involved in breeding, training
or racing (i.e. contract with independent trainers, breeding farms) are
eligible. Owners should obtain certificates of insurance from the
independent contractors to assure adequate protection.
Prices are very competitive with liability limits to $1,000,000
The coverage of this policy is designed to insure you for your legal
liability up to the limits of the policy. When a person is injured or
property is damaged as a result of activities involving the horse or
horses you own we will, subject to the exclusions in the policy, settle
claims for which you are legally liable, including defense costs. It is
important that your horse operation be protected by a company with a
strong financial background, strong equine experience and expertise to
meet your needs in the horse industry.
- For as little as $400 per
year our $1,000,000 riding club policy covers all
club members if a law suit arises from a club
activity. Coverage is provided for all club
activities on owned or leased premises and
products/completed operations and personal
advertising injury can be included. Boarding,
riding instruction, clinics and special events
can be added by endorsement. A farm package
can also be written for clubs which own property.
The basic policy premium includes the
first 100 members and seven public events.
Shows, clinics, gymkhanas and trail rides held by
and for the sole benefit of members are
automatically covered at no additional
Club Acrobat Application
- Trainers & Riding
Instructors Professional Liability
- Our special liability
policy for trainers and riding
instructors covers your liability exposures
anywhere in the United States or it's territories
for as little as $500 per year. Premises owners
and show grounds are automatically named as
additional insureds at no additional cost.
We can even include coverage for your tack,
equipment and care, custody & control.
All you have to do is complete a short
application. We can have your policy in force
within 24 hours! Trainers
- Care, Custody & Control
This insurance is essential for equestrian business who
board or train horses or who are responsible for other
people's horses while showing or racing them. The policy
pays all sums you are legally obligated to pay others for
damage to horses in your care, custody or control.
||This coverage does not apply to
horses you own or lease, which typically are
covered by a mortality policy.
Almost all general liability
policies exclude coverage for injury or
death to any animal in your care, custody or
control. Our CC&C policy will defend
and protect you against claims for negligent
loss. If you are a trainer, breeder or stable
owner you cannot afford to be without
this additional protection.
Your policy will cover the injury, theft or death
of the horses in your care. Policy limits
are available from $1,000 to $500,000 per animal
and from $25,000 to $1,000,000 maximum loss per
policy year. In addition to paying for damages to
horses, we will defend any suit against
you. We will provide funds for you to
purchase bail bonds, we will pay interest on
judgments and all costs taxed against you in the
suit. We will also pay expenses you incur
at our request to assist us in your defense,
including loss of earnings, up to $100 a
Premiums are based upon the average number of horses in
your care or the total number of horses in any one barn,
whichever is greater. The basic policy includes
incidental transit of horses which is generally defined as 6
trips of 150 miles or less. The 150 mile radius
restriction can be eliminated for an additional premium.
Farm, Ranch & Estate Insurance Package
The Equestrian Group Farm & Ranch package is
custom designed to meet the insurance needs of today's
horse farm owner. The farm policy offers both flexibility
and broad protection at a competitive price. Whether you
operate your horse farm as an individual, partnership, or
a corporation we can tailor make the necessary insurance
- Property insurance to cover your home and
contents, barns, sheds, owned machinery,
equipment, tack, and livestock.
- Liability insurance to cover your home and your
horse operation, on and off premises, including
such operations as: Boarding, Breeding, Racing,
Training, Horse Shows and Riding Instruction.
- Automobile coverage for personal, farm and commercial vehicles
in one policy.
- A+ Rated insurance company
- Various property deductibles are available
- Credits are available for protective devices such
as smoke alarms, security systems and locks.
- Credits for good loss history and personal experience.
- Replacement cost coverage is available on
buildings and household contents
- Basic, Broad, or Special are options for all
- Identity Theft Coverage
- Automobile Coverage can be included
- Personal liability can be included
- Up to $10 million liability limit is available
- Veterinary & Animal Services
- The special policy provides
all of the insurance protection your business
will need in one comprehensive package.
The Equestrian Group's Ultra Animal Services
Program is a preferred product designed
specifically for veterinarians, animal hospitals,
domestic pet breeders and groomers, kennels, pet
motels, pet stores and animal cemeteries.
Horse Owners Liability
- Horse Owners are faced with unique liability
exposures that may not be adequately covered under normal personal
liability policies such as a homeowner policy. The Equestrian
Group has specifically designed an insurance policy to cover the
horse owner's legal liability for both bodily injury and property
damage to others resulting from horse ownership. If you own horses, and do not operate a
commercial horse business, our Private Horse
Owner liability policy protects you against
claims that were brought on by your
horse. This includes bodily injury or
property damage to a third party on or off your
premises -- even if your horse is kept at an
independently owned stable. If your horse comes
into contact with people, you need this type of
coverage! Many homeowners' policies limit
this coverage or exclude it altogether.
- Liability coverage, including defense costs,
is available with limits up to $1 million. Prices are very
competitive, beginning at only $25 per horse, subject to minimum
premiums. Our standard program does not provide coverage
for incidents while the horse is being used or
prepared for use in conjunction with a carriage,
buggy or similar vehicle. A coverage
extension for non-commercial pleasure or
competition driving is available by