Commercial
Commercial Equine Application
The equine industry consists
of many unique liability exposures that many standard homeowner and farm owner
insurance policies typically exclude or severely restrict. Our liability
programs for the horse owners can provide the necessary legal liability
protection for most horse related operations. It will provide the protection you
need arising out of your horse business. It is intended for the amateur or the
professional. It can be designed for a small two horse operation or it can cover
a large breeding farm. Coverage is available for small individual operators or
large commercial equine operations. Regardless of the size of your operation,
you'll be insured for your legal liabilities up to the limits stated in the
policy . When a person is injured or property damaged as a result of your equine
operations we will, subject to the exclusions in the policy, settle claims for
which you are legally liable. In addition to this, we will make sure you are
defended in lawsuits whether substantial or groundless and in most cases pay for
all court costs and judgments, subject to the limitations and exclusions stated
in the policy. Whether your activities involve riding instructions, breeding,
racing, showing, boarding, pleasure activities or training, we can custom design
a policy to fit your liability needs.
Personal
Personal Horse Owners Liability Aplication (CO. FL. MT NY WA. USE FORM 2)
Personal Horse Owners Liability Application (CO. FL. MT, NY, WA. RESIDENTS ONLY)
We have specially designed liability policies with
the extra protection necessary to cover the horse owner's legal liability caused
by or as a result of your own horse or horses. This policy is intended for the
owners of pleasure, show or any type of horse where the owner is not directly
involved with the training or breeding of the animal. It is designed for
individuals who own horses but do not derive their primary income from the horse
industry nor do they directly participate in the horse industry in an income
producing capacity.
The coverage of these policies is designed to insure
you for your legal liability up to the limits of the policy. When a person is
injured or property is damaged as a result of activities involving the horse or
horses you own we will, subject to the exclusions in the policy, settle claims
for which you are legally liable.
Umbrella
Farm Umbrella Application
Even though you already have liability insurance, an
Umbrella policy may be essential to protect you from a large catastrophic loss.
In today's litigious society, court awarded damages continue to rise
dramatically.
Our policies
provide excess coverage over and above the limits of your other liability policy
or policies. So if your liability limit is used up, your Umbrella policy will
take over and continue to pay for damages you are legally required to pay up to
the limit of the Umbrella policy itself which could range to $10,000,000. The
Umbrella policy does not take the place of any of your existing liability
coverage. It merely gives you added coverage on top of those existing policies.
The Umbrella policy is especially important for those individuals, partnerships
or corporations that have large financial investments at stake in their horse
operation. Typically, your Umbrella policy will give you excess liability
protection on top of your general liability, personal liability, automobile
liability and employers liability policies. In certain situations you may have
need of excess liability protection over boats or other pleasure craft that you
own.
The Umbrella policy will cover you when a person is injured or
property damaged as a result of your farm or horse operations subject to the
exclusions in the underlying policies and your Umbrella
policy.
Riding
Clubs
Riding Club Application
Riding clubs and their typical
functions pose unique exposures which can lead to claims against them. Our
riding liability programs are designed to provide needed protection for the club
and its' members.
Coverage can be custom tailored to cover such exposures
as premises liability for meetings, trail rides, boarding, clinics and public
event activities such as shows, parades and rodeos. The policy can be written on
an annual basis to cover all events of the year or for short term, onetime
events on an individual basis.
The coverage of these policies are
designed to insure you for your legal liability up to the limits of the policy.
When a person is injured or property is damaged as a result of your club's
activities, we will pay, subject to the exclusions in the policy, claims for
which your club is legally liable.
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