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Frequently Asked Questions



Q1)  What are the benefits of having insurance?

For horse owners, insurance offers a form of protection and security. Liability, mortality, shipping, major medical, surgical, loss-of-use, stallion infertility - whether a horse owner has fifteen racehorses at the track, a band of broodmares, a few show horses at a training stable, or a pleasure horse at a boarding barn or in the backyard, some form of insurance is needed.

The owner of a stable will want to be covered in case something happens to a horse in his care. The owner of an expensive racing or breeding animal will want some protection for his investment. The owner of a back-yard pleasure horse may want to know that he will be able to buy another horse if something happens to the horse he has now, or he may want to know that his horse is protected in case necessary surgery must be performed. Anyone who owns a horse, leases a horse, boards a horse, or teaches a lesson will want the protection provided by liability insurance.

Horse ownership at any level creates risks. Insurance is more than just another expense connected with horse ownership; it is a way for horse owners to protect themselves while exercising responsibility toward the horses that they own.

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