a. Hassle Free Mortality & Theft: A vet certificate is not required for horses that are valued up to $30,000, between the ages of 91 days and 15 years old and have a clean bill of health.  (Note: Race horses, race breeding stock, Tennessee Walkers, Racking, Miniature horses, Paso Finos, Peruvian Pasos, Draft & Halter Show horses or Halter Breeding Stock are not eligible.)

b. Standard All-Risk Mortality & Theft: Should your horse not fit into the Hassle Free Mortality program, our Standard All-Risk Mortality & Theft policy can provide you the same great protection at an affordable price. To obtain a quote, you must complete the Standard All Risk Mortality & Theft application and provide a current vet certificate.

Optional coverages that can be added to the Mortality policy are:
Medical/Surgical: Covers the cost for medical/surgical treatments due to accidents, illness or injury. We provide an $8,000 limit per horse per policy term. Our medical/surgical plans allow you to choose an option that suits your budget.

Personal Liability: Protects you against legal claims that your horse caused bodily injury or property damage to a third party on or off premises even when horse is kept at an independently owned stable.  Costs just pennies a day!

Commercial Equine Liability (CEL)
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If you give riding lessons or board, breed, race, sell, or train horses as a business, this insurance protects you against third-party liability lawsuits for bodily injury/property damage, whether there is negligence or not. The CEL policy also includes Professional Liability coverage for riding instructors and independent trainers.

Care, Custody, and Control (CCC)
If you board, breed, or train horses you do not own, CCC covers you if a horse you do not own becomes sick, is injured, or dies due to your negligence. CCC is available as an endorsement to your CEL or Equi-Farm policy. It is not available as a stand alone policy.

Equi-Farm Package
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If you own a horse farm, this package combines property and liability insurance to fully protect your home, household contents, barns, sheds, owned machinery, equipment, tack, livestock and horse operation, on and off premises.

Private Horse Owner’s Liability
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If you own horses and are not involved in a commercial equine business, this insurance protects you if someone claims your horse caused their bodily injury or damaged their property, even if your horse is kept at an independently owned stable.

Commercial Umbrella/Excess Liability
This insurance provides extra protection for catastrophic events. Commercial umbrella liability goes into effect after you’ve exceeded the limits of your Markel commercial liability or commercial auto insurance. We offer limits up to $10 million.