Equine Insurance in Pennsylvania
If all or part of your business includes horses, then it’s likely you should have insurance to manage this equine (horse) risk. A homeowners or farm insurance policy doesn’t always provide enough coverage if an incident involves a horse. However, you can reduce your risk exposure with equine insurance.
What Does Equine Insurance Cover?
Equine insurance provides coverage if your horse becomes ill or dies, can no longer be used for business purposes or causes an injury or property damage to a third party.
Our Jeffers Insurance Agency agents can review your equine needs to determine the most beneficial insurance. A variety of coverages may be suitable and include the following:
Animal mortality coverage may cover costs associated with your horse’s death if the cause was a covered accident, injury, sickness or disease. This coverage includes theft.
Animal mortality limited coverage may cover costs associated with your horse’s death if a listed covered cause of loss caused it. These losses may include fire, lightning, windstorm, hail, collision or upset while in transit, accidental shooting or drowning. This coverage also includes theft.
Major medical expense coverage (optional) is an endorsement you can add to animal mortality coverage. It may help with the costs of veterinary medical and surgical expenses used to treat your horse due to a covered accident, injury, sickness or disease.
Do I Need Equine Insurance?
If your business uses or employs horses, you should have equine insurance. Many companies that should consider having equine insurance include:
Horse shows and clinics
Outfitters and guides
How Much Is Equine Insurance?
The cost of equine insurance varies. Your horse’s breed, age, value and use will help determine your coverage policy. Often, those who use horses face equine surgeries and potential lawsuits from horse-related injuries. These incidents can be expensive, making equine coverage good to have.
How We Can Help
Call Jeffers Insurance Agency at 800-304-0739 and let us help you put together a policy that meets your equine insurance needs.