As the market for providing insurance for horses, horse-related businesses and activities has become more complex, we feel fortunate in having excellent programs to provide coverages for all areas of horse insurance.

• Care, Custody, and Control Insurance
• Equestrian Homeowner, Ranch, and Estate Insurance
• Equine Clubs and Associations Insurance
• Equine Commercial Liability Insurance
• Equine Event Insurance
• Equine Personal Liability Insurance
• Equine Professional Liability Insurance
• Race Horse Homeowner, Ranch, and Estate Insurance
• Race Horse Owner’s and Trainer’s Insurance

Full mortality policies provide coverage for death as a result of an injury, illness, or humane destruction, and includes loss or death as a result of theft. Full Mortality policies also include Free Emergency Colic Surgery Coverage, Agreed Value Endorsement, and Guaranteed Extension Coverage.

Optional coverages available to be added to a mortality policy include Major Medical coverage for the cost of medical and surgical procedures including diagnostics as a result of an accident, illness, or disease.

Also available are:

• Surgical Coverage
• Colic Medical, and Surgical
• Third Party Liability
• Territorial Limits Including Transit
• Stallion Infertility for A, S and D
• Full Loss of Use

Rates are based on breed, use, and age of each horse but you should call us for an accurate quote. It is possible to purchase mortality insurance for the total sales or purchase or lease or purchase price of a horse and protect both the buyer’s and seller’s financial interests in the animal.

There are all kinds of farms, ranches, and stables that require specialized knowledge and equipment. All require a specialized insurance provider and agent to protect your investments from emotional and financial impact of fires, theft, or litigation.

We are specialists who analyze your coverage needs and provide technical expertise. We offer a property and liability insurance program that’s designed to meet the current and evolving needs of your particular operation.

Your policy can be tailored so it’s appropriate to your particular operation, and bundles your home, farm, liability, and automobile insurance into one package.

 Coverage options can include the following:

• Dwellings
• Stables
• Barns
• Riding Arenas
• Other Farm Buildings
• Tack
• Computer Hardware and Software
• Farm Machinery
• Equipment
• Farm and Commercial General Liability Coverage Including:
• Personal Liability
• Care, Custody, and Control Coverage
• Loss of Income

• Commercial and Private Vehicles
• Passenger Vehicles

• Broad Protection Over Basic Personal and Horse Operations
• Business Liability

Commercial horse trainers and instructors should carry liability insurance. This policy provides comprehensive general liability coverage for bodily injury and property damage claims as a result of your business activities:

• Training
• Instruction
• Clinics
• Horse Sales
• Breeding
• Boarding
• Or any combination of the above business activities.

Under the terms of your policy, you are protected from claims brought against you as a result of your equine business activities at a variety of liability limits and protected anywhere in the United States or Canada.

If you think your standard liability insurance covers you when you board, breed, or have another person’s animal in your custody for any reason, please read on! You may save yourself much grief and money.

All public liability policies have a provision that excludes coverage for any animal for injury or death that you have in your care, custody, or control. Yet, the fact that you are not covered does not absolve you from legal responsibility for loss of an animal due to your own possible negligence.

If you are a trainer, boarding stable owner, or owner of a breeding farm, you CANNOT AFFORD to be without this protection. Fortunately, there is now a method of protecting yourself when you have animals that are in your custody.

This protection is called Care Custody Control Insurance coverage. It protects you against liability resulting from death or injury to animals in your custody, not only from fire but also from other causes.

The protection provides that if an animal owner makes negligence claims against a policyholder covered by this type of insurance, the insurance company will defend and will be responsible for making payment if it is determined that the loss is due to negligence and policyholder is legally liable.

Coverage is provided at a variety of per-horse limits and aggregates can be made part of many general liability and farm policies.

Personal Horse Ownership Liability Insurance programs are designed to provide complete liability protection to a person who owns a horse or horses used exclusively for pleasure or show where your homeowner's or tenant's policy will not provide coverage.

To qualify, however, you cannot be personally involved in a professional training, breeding, or boarding operation.

Personal Horse Ownership Liability plan covers you against bodily injury claims which may result from the use of your horse and includes property damage claims. The policy applies anywhere in the United States or Canada.

In many instances, this policy can be extended to cover premises owned or leased by you when your homeowner's policy will not provide personal liability where your horse is boarded.

This policy provides coverage for horse shows, clinics and all other equine related events. There is no limit to the number of show days that can be insured. The coverage is designed to provide protection from liability claims that may result from bodily injury or property damage to a spectator while attending your show.

The coverage includes:

• Spectator Liability
• Products Liability coverage
• Coverage for Show Judges and Officials
• Premises Owner as Additional Insured

In most cases, this policy can extend coverage for the preparation and dismantling of the show, limited to one day prior and one day after the show. Your premium is based on the number of show days and the limit of liability you select.

Equine Clubs and Associations Liability Insurance program covers the premises at which meetings, shows, and other activities are held by the club. Meetings, trail rides (non-competitive), gymkhanas, etc., are automatically covered when they are conducted for the sole benefit of the members.

Liability programs include:

• Spectator Liability
• Personal Injury Coverage (Libel and Slander)
• Premises Owner’s Protection
• Products Liability Coverage (Concession Stand)
• Coverage For Show Judges and Officials

Most basic policy premiums include two days of events in which non-members participate and up to 100 members.

Contact an insurance specialist at G.F.H. Insurance Agency Inc today to answer any questions about Equine Insurance or apply online now for a review and insurance quote.