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"No vet exam required" on qualified horses valued at $100,000 or less!


Full mortality coverage provides for death as a result of accident, illness, injury, humane destruction and transportation in the continental U.S. or Canada and includes loss or death as a result of theft.


Colic Surgery - Most policies also include up to $3000 FREE coverage for emergency colic surgery.


The Livestock Mortality application and either a Vet Exam or Statement of Health is required before any coverage can be bound. These forms are available on this site for you to print, complete and return. Please call for applications on any other coverages.


For those of you with high valued or large schedules or horses, please ask me about stable discounts and claim free renewal discount programs.

This site was designed to  help you. If you have additional questions or need further information on a coverage not listed here, please call. "No obligation" quotes are provided FREE and are just a phone call away!


Optional Coverages

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.




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



Farm Packages

If you are a farm owner, special policies can be written to "package" all your coverages. This can include your house, stables, tack, machinery, stable liability and care, custody or control coverage all under one policy. This will help eliminate potential gaps in your coverage.


Commercial Automobile, Truck, & Trailers

When you transport horses for others, you need a commercial auto policy. This can be written in conjunction with your farm policy on any type of vehicle.



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.



Debbie Treadwell, AFIS  “Your trusted insurance professional since 1986”  McNamara Company

1330 E Hwy 96   St. Paul, MN  55110  Phone 651-426-0607  or 800-278-0607  Main Office Fax 651-426-5790  Direct Fax  1-855-375-5011

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