Equestrian Group Programs

	Care, Custody & Control	Outfitters & Guided Trail Rides
	Commercial Equine Liability	Personal Horse Owners Liability
	Boarding Stables	Race Horse Owners Liability
	Directors & Officers Errors & Omissions	Recreational Equestrian Liability Program
	Equine Mortality & Major Medical	Riding Club Liability
	Farm, Ranch & Estate Insurance Package	Trainers & Riding Instructors Liability
	Group Accident & Medical Insurance	Therapeutic Riding Program
	Horse Show, Rodeo & Special Event	Veterinary & Animal Services Policy
	FAQs for Horseowners

	Equine Mortality & Major Medical      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 cost.  Preferred rates, comprehensive worldwide coverage, telephone binders and 24 hour claim service makes this your policy of choice.    Mortality Acrobat Application or get an On-Line Mortality Quotation
	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 available. 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.
	Riding Club Liability      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 charge.   Riding 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 Acrobat Application
	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 day.  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. CCC Acrobat Application
	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 protection. 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.     HIGHLIGHTS: 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 property Identity Theft Coverage    Automobile Coverage can be included Personal liability can be included Up to $10 million liability limit is available
	Veterinary & Animal Services Business Policy      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.
	Personal 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 endorsement.  PHO Acrobat Application

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Contact Information

General Information: ballen@eqgroup.com              Customer Service: mpallante@eqgroup.com
Mortality: apoling@eqgroup.com                               Entertainment: entertainment@eqgroup.com                   Webmaster: gordon@jiroux.com

                                                             [  Home  | Allen Financial |  Equestrian Group | Am Equestrian |  Am Recreation |  Site Map ]

Contact Information

General Information: ballen@eqgroup.com              Customer Service: mpallante@eqgroup.com
Mortality: apoling@eqgroup.com                               Entertainment: entertainment@eqgroup.com                   Webmaster: gordon@jiroux.com