Q: I've invested a lot of emotion, time and money in my horse. What kind of coverage will protect my financial investment? 

A: Owning a horse is a financial investment you can afford to protect. Click here for information on Markel's All-Risk Mortality and Theft Coverage.

Q: What if my horse kicks someone or causes property damage?

A: You would need a policy that protects you against legal claims -- whether an incident occurs on or off your property. Click here for information on Markel's Private Horse Owner's Liability Coverage.

Q: Doesn't my homeowner's policy protect me against any losses that might be caused by my horse?

A: Probably not. Many homeowner policies have at least one of three exclusions which could affect a horse owner. First, there may be an exclusion for claims which occur off your premises. If you take your horse to a show off premises and he injures someone, that claim could be denied because the accident didn't happen on your property.

The second general exclusion involves business pursuits. One insurance company recently rejected a claim because the horse involved had won a $25 horse show prize. According to the insurance company, the horse was involved in business pursuits.

And the third exclusion: some homeowner's policies flatly exclude any claims caused by horses or cattle.

Click here for information on Markel's Private Horse Owner's Liability Coverage.

Q: Is there coverage available to help pay for medical care of my horse?

A: Yes. Most of Markel's equine policies have Medical/Surgical endorsements available. Click here for information on Markel's All-Risk Mortality and Theft Coverage.