Equine Insurance in Pennsylvania
If horses are a part of your business, you need a commercial equine liability policy, even if you have other coverage that protects you against general liability exposures. Homeowners and standard farm owners insurance policies completely often exclude your equine business pursuits, which is why you must have this coverage despite having existing property coverage. Plus, if you own horses but do not operate a commercial horse business, private horse owner liability insurance can protect you against legal claims that your horse caused injury or property damage to someone either on or off your premises. If your horse will ever come into contact with people, it’s a good idea to purchase equine coverage.
The better you understand the ins and out of equine insurance, the better you can protect your house and your business. Jeffers Insurance Agency can provide guidance on available coverage options, so call today or request an online quote.
What Is Equine Insurance?
Equine insurance, also known as horse insurance, provides coverage in the event a horse becomes ill or dies, is no longer able to be used for business purposes, or causes an injury or property damage to a third party. Given the high value and potential danger associated with owning a large animal such as this, equine coverage is all the more important.
What Does Equine Insurance Cover?
Some of the most common equine insurance coverage options include the following:
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Full mortality
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Major medical
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Surgery
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Loss-of-use
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Colic
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Personal liability
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Business liability
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Property
Jeffers Insurance Agency can help you select or customize the right coverage for you and your horses.
Do I Need Equine Insurance?
Equine insurance is designed specifically for all types of horse-related businesses, such as the following:
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Arenas and stadiums
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Auctions and sales
This coverage will protect you if you are sued by a third party who is injured or whose property is damaged by one of your horses. The policy covers defense costs and pays claims for which you are legally liable, up to the policy limits. Without adequate liability coverage, you could have to pay damages and defense costs yourself, which could be high enough to cause you serious financial hardship or bankruptcy.
How Much Does Equine Insurance Cost?
Coverage costs will vary, so here are a few factors involved in the price of equine insurance:
Considering the cost of equine surgeries and potential lawsuits from horse-related injuries, equine insurance is worth the investment.
How Do I Get Equine Insurance?
Contact Jeffers Insurance Agency to verify your eligibility for equine insurance. We can also check Pennsylvania legislation to understand any limitations that may apply to you and to what extent you are protected from liability in the event of an accident. Our equine insurance specialists can find the best overall choice for your horse insurance needs.
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