If you have an equine-related business or keep horses on your property, you’re probably aware that you need some type of insurance. But what exactly is equine insurance? What does it cover? And how much do you need? Here’s a quick overview of equine insurance to help you make informed decisions about your coverage. 

What Is Equine Insurance? 

Equine insurance can provide horse owners with peace of mind when financially protecting themselves should their horses suffer an injury, illness, or death. Proper horse insurance ensures horse owners have the financial protection they need when the unexpected happens.  

What Does Equine Insurance Cover? 

Equine insurance helps owners protect their horses from unexpected misfortune and expense. It may cover medical, surgical and exam costs in the event of an injury or illness that can occur, as well as death or dismemberment due to accident or illness. Additionally, equine insurance may provide “loss of use” coverage, especially if you use your horse for professional purposes. This would help reduce the financial impact if the horse cannot continue due to injury. Finally, some policies also include liability coverage, so owners are covered if they are responsible for an accident causing injury to another person or damage to property. The right insurance policy can provide peace of mind knowing you have taken the necessary steps to prepare for any worst-case scenarios with your horse. 

Are There Different Types of Equine Insurance? 

There are several different types of equine insurance available. The specific type you choose should depend on how much risk you’re willing to accept and the type of riding your horse does. From basic mortality insurance, which covers death from illness, injury or disease, up to comprehensive coverage, which includes farrier expenses, veterinary expenses and even loss of use. Mortality insurance is usually best for those who want basic coverage at an affordable price. But it might be worth considering a more comprehensive policy if you’re looking for more coverage and willing to pay a little extra. Other considerations include major medical care policies and colic treatments. Ultimately, the most appropriate equine insurance policy will depend on your needs and budget, so it is important to research and look into what is suitable for you and your horse.  

How to Get Equine Insurance 

Having equine insurance is an essential part of responsible horse ownership. Contact Flagler Insurance Agency today for an equine insurance policy quote. 

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.