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If anything happened to your horse, could you afford to replace it? If not, or you’d rather pass the risk onto a third party? Then Equine Mortality Insurance should fit the bill. Full equine mortality insurance covers your horse much like a annual term life insurance policy and will protect you against your financial investment or the market value of your horse, should its life end prematurely due to unforeseen events. Some cover can be extended over 12 months for illness or injury, during the initial coverage period. Get a free quote here today. Click here for more informations.
is a form of health insurance on your horse and is purchased as an addition (endorsement) to the Full Mortality policy. Coverage applies to medical or surgical treatment, including diagnostic procedures, performed by a licensed veterinarian as a result of accident, sickness or disease.Depending on the insurance company, this coverage is usually available with annual limits of $5,000, $7,500, $10,000, or $12,500. Again, depending on the insurance company a per claim deductible ranging from $250 – $325 will apply. Depending on the coverage limit that you select, or are eligible for, the annual premiums will range from $200 – $450 per horse. Get a free quote today!
Loss of Use Insurance
There are two types of Equine Loss of Use coverage available to protect you in the event your horse becomes permanently unable to perform its insured use, but is not ill or injured enough to require humane destruction. These coverages help to reimburse you for the loss in your horse's value. Loss of Use coverages are intended for performance horses, not breeding or pleasure horses, and are available for select uses only including Hunter/Jumper.
Although it is a good idea to have clients read and sign a release of liability, this does not prevent you from being sued. A CGL policy would provide you with coverage for your defense costs and pay any claims up to the policy limits for which you are legally liable due to injury to the body or damage to property. If you are a trainer and don't have a liability policy you are at risk to loose your business and all of your personal assets.