The following endorsements can be added to qualified horses for an additional premium.

 

Major Medical and Surgical

Provides coverage for the cost of medical & surgical procedures including diagnostics as a result of accident, illness or disease. Limits of $5000, $7500, or $10,000 are available.  In some cases, stacking of these limits is available in order to provide you with maximum protection.

 

Full Loss of Use

In the event your horse becomes permanently unable to perform its insured use as result of an accident, illness or disease, this coverage pays up to 75% of the insured value.

 

Loss of Use - External Injury Only

If your horse is permanently unable to perform its insured use due to a visible injury caused by an external, accidental and violent means, this coverage pays up to 75% of the insured value.

 

Guaranteed Extension or Guaranteed Renewal endorsements

These highly recommended endorsements vary by company. In general, they extend coverage into the following year on a sickness or injury that was reported during the initial policy term. This can eliminate pre-existing condition exclusions that might otherwise be added to the policy.

 

OTHER COVERAGES AVAILABLE UPON REQUEST INCLUDE:

 

• International Transit
• Stallion Accident, Sickness & Disease
• Infertility
• Mare Barrenness
• Stallion Availability
• Prospective Foal Coverage

 

 

Commercial Equine Liability

This coverage is very important if you perform any commercial equestrian activities such as boarding, instruction, training, breeding, etc. Coverage is provided if you are sued by a third party who is injured or whose property is damaged. The policy covers defense costs and pays claims for which you are legally liable up to the policy limits.

 

Equine Personal Liability

In the event your horse injures a third party or damages their property, this provides coverage for defense fees as well as pays claims for which you are legally liable during the policy period.

 

Care, Custody & Control

Consider this coverage if you board, train or breed horses for others. If one of those horses is injured or dies while in your care and you are found negligent, this policy will provide for the medical care or replacement cost of the horse up to the policy limits. Defense costs are also covered. Transit coverage for the entire continental U.S. and Canada is available.

 

Riding Clubs & Associations

Groups wishing to protect themselves can obtain liability coverage with a club or association policy. This coverage helps protect your group if you are faced with a lawsuit by a third party. Defense fees as well as claims for property damage and/or bodily injury are covered.

 

Directors & Officers Liability

Provides coverage for claims and defense fees resulting from any negligent act, error or omission by the board of directors.

 

DISCLAIMER: This outline describes in general terms the essential features of the policies.

In no way does it alter the actual terms or conditions of the coverage.

 

Some products may not be available in all states.