Equine & Farm Insurance

Cover your horse

Farm Property

Do you own a horse farm, and need to protect your home and buildings as well as cover your equine liability?

Our Horse Farm Package (Equi-Farm) provides complete coverage for a horse farm including:

Property insurance to cover your home and contents, barns, sheds, owned machinery, equipment, tack and livestock.
Liability insurance to cover your home and your horse operation, on and off premises, including such operations as: boarding, training, horse shows, horse sales, clinics and riding instruction.

Farm Liability

If you perform any of these activities on rented or owned premises, you need a Commercial Equine Liability policy, even if you have other coverage that protects you for general liability exposures. This coverage is designed specifically for all types of horse-related businesses, such as: boarding, training, riding instruction, horse sales, horse shows, clinics and personal/pleasure horses. We also have coverage for independent horse trainers and riding instructors.

Care, Custody & Control - a “must” if you care for someone else’s horse

Coverage Highlights

Defense and court costs for litigation, and payment for judgements up to the aggregate policy amount (per animal limit applies)
Liability limits for non-owned horse equipment
Choose from various limits to meet your needs
Available by endorsement to your Commercial Equine Liability or Equi-Farm Package policy

Disruption of Farming - loss of income due to covered cause of loss to a stable or barn

Systems Breakdown - increased causes of loss for damage or destruction of equipment and machinery, including electronic devices (i.e. phone, computers, security systems)

Livestock Coverage - limited mortality-named perils up to $2,000 per head; applies to owned livestock only

Coverage for jewelry, fine arts, guns, etc...

Sports Equipment Floater - covers equipment used for golf, tennis, etc...

Excess or Umbrella Liability (with limits up to $10 million)

Riding Clubs/Associations Bodily injury and property damage liability is extended to clubs or organizations who organize clinics, demonstrations, shows, or trail rides that are open to the public. This is “third party” insurance, therefore, the club as a whole, including its members, organizers, volunteers, and facility owners are covered as the named insured. The premium is based on the number of club members, activity type, and frequency.

Equine Mortality

Have you invested time or money in your horse?
The financial investment in your horse is too important to go unprotected. Mortality and Theft coverage will reimburse you for the death, theft or humane destruction of a covered horse. Our mortality coverage is simple, affordable and easy to obtain.

This policy insures your animal against death, which results directly or indirectly from an accident, illness, or disease. This includes but is not limited to such perils as fire, lightning, transportation, colic, fractures, artificial electricity, and theft. Agreed value and guaranteed renewal options are available.

The insurable value of your horse is based on the actual cash value at the inception of the policy. This value may be substantiated by way of the purchase price, prize winnings, performance records, value of your horse’s offspring, stud fees, or appraisal by a bona-fide professional. The value of an insured animal may be increased during the policy year with documentation to prove the increase in value, along with current health information. Loss of profit, replacement cost, or sentiment are not valid or accepted as part of the insurable value.

To be eligible, horses can be as young as 24 hours old up to age 20. They must be sound, healthy, and capable of performing their intended use. Veterinary Certificate or Owners Statement of Health are required based on the value of the animal and must be accompanied by the Owners Application. Costs are based on the age, use, value, and breed of the animal. A minimum premium may apply based on the various company guidelines

Private Horse Owner Liability Could your horse kick someone or cause property damage to others?

If you own horses but do not operate a commercial horse business, our Private Horse Owner Liability policy can protect you against legal claims that your horse caused bodily injury or property damage to someone on or off your premises. For example, if your horse got loose in the road and caused an accident or injured someone at a show, you could be held liable.

Coverage Highlights
- Coverage applies on or off premises anywhere in the U.S., Canada, and U.S. territories
- Various limits available
- General Liability Aggregate limits are 3 times the liability per occurrence limit
- Medical Payments up to $5,000 included
- Can be added to your Mortality policy
- Coverage is offered for bodily injury and property damage, done only by a horse which is
scheduled on this policy. This coverage is not available to individuals involved in
commercial equine operations* (example: trail rides, riding instruction, race training,
commercial breeding, boarding or leasing of horses which you do not own), or if you own
more than 10 horses. If you are involved in a commercial operation, please complete our
Commercial Equine Liability application.

*Commercial equine operation where the insured is actively involved in breeding, boarding, training, leasing of horses and/or any activity noted above and receives monetary value or other compensation.

Major Medical

Our Medical/Surgical Coverage provides options with different coverage limits per horse per policy term with a choice of plans including deductibles and a co-payment options. These plans allow you to choose an option that suits your budget!

Surgical

This endorsement to your mortality policy will reimburse you for reasonable and customary veterinarian fees for surgical procedures performed to save the life of the animal. Surgical coverage is now available for horses up to age 20, with various limits now available from $2,500 to $10,000, per horse per policy term.

Loss of Use

This protection may be added to the mortality policy. It is designed to reimburse you a portion of the animal’s value, in the event your horse sustains accident, illness, or lameness, which renders him/her totally and permanently disabled, but does not require destruction for humane reasons. Options for external accidents or external, including internal conditions are available depending on the animal’s use, age, value, and medical history.

The horse must be in good health, with no injuries, sickness, disease or lameness issues past or present. Many of our Companies have minimum value requirements in order for the horse to qualify for this coverage option and age ranges.

Please contact our offices for questions on any specific conditions you think may meet requirements. There are several coverage options and in all cases a regular vet exam is required. They will also require that x-rays and flexions be done for the navicular bone, Proximal Sesamoid bones, Fetlock joints, and tarsal joints. The results must be sent us to be reviewed by the underwriters.

Please be aware that to file a claim, the veterinarian must make a written statement that the horse is PERMANENTLY disabled. The veterinarian must be sure that the horse will never be able to perform at a level comparable or close to that level, it was working prior to the sickness, injury or disease that caused the disability.

For a quick and reliable quote, call the nearest Eaton & Berube office , or complete our online quote request form.

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Our NASHUA Location:
11 Concord St., PO Box 1089
Nashua, New Hampshire 03061
Ph 603.882.2766 Fx 603.886.0434

OUR MILFORD Location:
365 Nashua Street PO Box 37
Milford, New Hampshire 03055
Ph 603.673.0500 Fx 603.673.7458