Equine Insurance and Horse Farm Insurance from Southern Farm and Wind Insurance
If you are a commercial horse farm owner, as well as having insurance coverage for your horses and property, you need to be prepared for any liability that may arise from clients and guests visiting the farm. At Southern Farm and Wind Insurance we know horses and equine insurance. It's our goal to provide you with the horse farm insurance you need to protect all of your equestrian investments. We offer top of the line equine insurance that can be tailored to meet all of your horse farms unique needs and help ease your worries while you're out riding or taking care of business.
Understanding Equine Insurance: What are the Different Types of Equine Insurance?
Equine Insurance provides coverage for show and pleasure horses, horse farms, equestrian professionals, horse boarding, clubs and shows. There are many different types of insurance coverage for every unique horse owner’s needs and risks. Take a look below to see which coverage types best match your horse farm needs and remember Southern Farm and Wind is always here to help.
Equine Full Mortality Horse Insurance Coverage
Equine Full Mortality Insurance Coverage is essentially an equine life insurance policy for your horse, with you as the beneficiary. It is an "All Risk" policy, which will cover death from any cause, subject to certain exclusions, which are stated in your policy. Equine Mortality insurance will also pay you if your horse is stolen. The premium rate is based on your horse's use, breed, and age. At no extra cost, the Full Mortality policy includes coverage for Emergency Colic Surgery valued at up to $3,000. This, however, is dependent on the value of your horse and your plan.
Equine Major Medical Insurance Coverage
Equine Major Medical Insurance may be added to your policy to cover the expenses of an injury, lameness, accident or illness your horse may encounter. Major Medical Insurance reimburses you reasonable and customary charges that come as a result of accidents the insured horse may face. This coverage will also help you control veterinary expenses for unforeseen events related to the health of your horse.
If your horse were to face a medical emergency would you be able to pay the costly bills on your own? Could you face not being able to get them the health care they need? This is why Major Medical Insurance from Southern Farm and Wind Insurance is so important. Likewise, if you run a commercial equine operation, your horses are your business’s livelihood and this insurance could be the safety net you need one day to stay afloat.
Unlike Surgical Insurance which only covers the costs associated with surgery, Equine Major Medical Insurance is a full coverage insurance offering the most protection should your horse need any type of emergency veterinary care with limits of $7,500, $10,000, and $15,000 limits. We can help you make the right choice for you and your horses.
Equine Surgical Insurance Coverage
Equine Surgical Coverage covers the cost of surgeries due to accident, injury, illness and disease. Adding Equine Surgical Coverage to your Mortality Policy is more economical than full major medical insurance. This makes it a popular choice for those wishing to keep their premiums to a minimum while still safeguarding against the impact of surgery costs, should the unfortunate need arise.
Commercial Equine Liability Insurance
This coverage is crucial for individuals who perform any commercial equestrian activities, such as boarding, instruction, training, and breeding. If you are sued by a third-party who is injured or claims property damaged, the policy covers defense costs and pays claims for which you are legally liable up to the policy limits. If you run any type of horse business, this insurance coverage could be a life saver.
Personal Horse Owner's Liability Coverage
The legal owner of a horse is obligated by law to pay third parties for bodily injury or property damage that was directly caused by the horse. This insurance coverage is essential if you own a commercial equine operation or if you often have guests over. Limits are available up to $1,000,000.
Equine Professional Liability Coverage
This equine insurance coverage shields you from any received claims and pays for defense fees resulting from any negligent act, error, or omission arising from your professional equestrian activities.
Horse Care, Custody, or Control Coverage: The Three C’s Insurance Coverage
Equine Care, Custody or Control insurance is an essential coverage for all horse operations which involve non-owned horses, including boarding, breeding and training. Most standard General Liability Insurance plans exclude coverage for personal property. Horses, as an example, are considered personal property in your Care, Custody or Control. This coverage fills this void by promising to pay all sums you are legally obligated to pay for damage to non-owned horses staying in your boarding facility, being trained by you, or the like.
For a Free Quote on Equine Insurance Contact Southern Farm and Wind Insurance of Georgia Today!
What types of equine insurance coverages do you need? Not sure? Interested in exploring your options while saving money at the same time? Southern Farm and Wind Insurance has the answers you need to make informed Equine Insurance policy decisions! Southern Farm and Wind Insurance is a family business with 3 generations of experience serving all kinds of farm, ranch and commercial agricultural business insurance in the South. Give us a call today for a free no-risk horse farm insurance quote to protect your equine investment.
To set an appointment with one of our knowledgeable farm and ranch insurance agents or if you have any questions regarding equine insurance contact Southern Farm and Wind Insurance by calling 1-800-385-1559. We proudly serve farm, ranch and agri-business insurance to the South including the states of Florida, Georgia, Alabama, South Carolina, Tennessee, Mississippi, and their surroundings. For an online equine insurance quote, simply fill out the “get a quote” form on this page. We’re anxious to put our expertise to work and serve you the best equine insurance solution, at a the most affordable price!