We offer one of the industry's broadest and most comprehensive products available to the modern day horse farm owner at a competitive price. Coverage can be custom designed to meet the specific needs of your operation from a small acreage pleasure farm to a multiple location commercial farm.
Eligibility: Individuals, partnerships, corporations, limited liability corporation(LLC), owner or tenant operator.
Format: Multi-line policy able to include dwelling, personal property, farm property, farm personal property, liability, auto, care, custody or control, watercraft, and umbrella in one policy. Availability for some coverages may be limited depending upon the state in which you live.
Care, Custody & Control
Equine Care, Custody or Control insurance is an essential coverage for all horse operations which involve non-owned horses, including boarding, breeding and training. Standard General Liability Insurance excludes coverage for personal property (horses are an example) in your Care, Custody or Control Care. This coverage fills this void by promising to pay all sums you are legally obligated to pay for damage to non-owned horses in your Care, Custody or Control. This coverage does not apply to horses that you own or lease. Mortality Insurance is designed for these needs.
Your policy will cover up to the chosen policy limits for the injury, theft or death of the horses in your Care, Custody or Control. Policy limits are available up to $2,500,000 per horse and $5,000,000 maximum loss per policy year.
Defense costs for lawsuits are also included in this coverage including the cost of bail bonds, interest on judgments against you and expenses you incur at our request to assist in the defense, including loss of earnings, up to $100 per day.
Horse Owners are faced with unique liability exposures that may not be adequately covered under normal personal liability policies such as a homeowner policy. Great American 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. Individual owners of personal or show horses who do not derive income nor are involved commercially are eligible.
Liability coverage, including defense costs, is available with limits up to $1,000,000. Prices are very competitive, beginning at only $40 per horse, subject to minimum premiums.
Coverage includes the promise to pay all sums you are legally obligated to pay for "Bodily Injury" and "Property Damage" arising from your horse ownership, plus costs to defend you. This includes the cost of bail bonds, pre-judgment interest and expenses you incur in assisting us in your defense, including up to $100 per day loss of income.
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