If your horse were stolen, became seriously ill, or even worse, how would you handle the loss?
All-Risk Mortality and Theft: For a horse owner, the loss of a beloved animal can be devastating both emotionally and financially. And while equine mortality insurance can’t diminish the grief of losing a horse, it can help to soften the economic impact. Our mortality policies reimburse you for the death, theft and humane destruction of your horse. You can also add major medical or surgical coverage to our mortality policies.
If your horse becomes sick or is injured, could you afford the necessary treatment?
Medical/Surgical: These can be added to Markel's mortality policies to help pay for treatment should your horse become sick or injured.
Could your horse injure someone or damage their property?
(If you're not sure, check out our Pony Tales for a look at what can happen when you own a horse.)
Private Horse Owners Liability: Your horse may be one of your most important possessions, but it can also be your biggest liability. Individual horse owners place themselves and their assets at risk every time their horse comes in contact with people. Equine-related lawsuits occur more frequently than you may think. And many homeowners’ policies limit this type of equine liability coverage or exclude it altogether.
Markel’s Private Horse Owner’s Liability policy protects you against legal claims that your horse caused bodily injury or property damage to a third party on or off premises – even if your horse is kept at an independently-owned stable. Combined with a Markel mortality policy, Private Horse Owner’s Liability coverage can guard both your equine investment and your personal assets.
Do you own a horse farm?
Equi-Farm: Markel is the innovator of horse farm insurance. And ever since we brought our first package to market about 40 years ago, we’ve enhanced our products and services to meet your changing needs. Markel offers you more than superlative protection; you can depend on an unmatched record of experience, expertise and commitment that have made us the leading name in equine insurance.
The Markel Horse Farm (Equi-Farm) policy provides property insurance to cover your home, household contents, barns, sheds, owned machinery, equipment, tack, and livestock. It also provides liability coverage for your on- and off-premises horse operations such as boarding, breeding, racing, training, horse shows, and riding instruction.
Do you give riding lessons, or breed, board, race or train horses?
Commercial Equine Liability: Equine liability insurance is indispensable for anyone with a horse-related business. In today's litigious society, protection against liability claims is an utmost necessity. Even with waivers and state laws designed to limit or control liabilities, commercial equine operations are vulnerable. And win or lose, a lawsuit will cost you something.
That's why if you...
board, breed, race or train horses
give riding instruction
conduct these activities on rented premises
own an equine facility protected by property insurance, but not liability insurance
...you need Markel's Commercial Equine Liability coverage .
Do you take care of anyone else's horse?
Care, Custody & Control: Owning your own horse is a significant emotional and financial investment. Accepting the responsibility of caring for someone else's cherished and valuable animal is also no small task. And since standard insurers don't fully understand the risks you undertake when caring for the horses of others, most general liability policies don't include this special coverage. That's why the extra protection of Markel's optional Care, Custody & Control (CC&C) coverage is so important. With CC&C, you're covered if an animal in your care is injured, becomes ill or dies, and you are found negligent. This coverage is available as an endorsement to our Equi-Farm and Commercial Equine Liability policies.
Are you a member of a riding or hunt club?
Riding and Hunt Club: As a member of a horse riding or hunt club, you need to be aware that your organization, in addition to the individual members, needs protection from third party lawsuits. The unexpected can and does happen, whether to club members, participants, or even spectators. Your club can count on Markel for the right coverage. Markel’s Riding/Hunt Club liability policy protects your club’s leased or owned premises, special events, and various club functions such as shows, clinics, and trail rides.
Do you have an outdoor recreational business such as a Dude Ranch or Outfitters and Guides operation?
Dude Ranch: Markel Insurance Company has insured Dude Ranches for over fourteen years. We understand equine-related businesses and the associated ranch exposures, guest exposures, and property risks. We’ve made it easy to get the right coverage at the right price.
Outfitters and Guides: Big game, fresh air, and wide-open spaces. That’s what sportsmen and vacationers want, and they depend on you to show it to them. But you know that anything can happen at any time in the Great Outdoors. What happens if your horse kicks a client? Can your business survive if someone steals your tack or equipment? And above all, do you have the right insurance to cover the unexpected? You do with Markel’s comprehensive Outfitter & Guides coverages. Most competing policies cover only liability issues. Unfortunately, that’s often not enough. And with the wrong coverage, you’re financially liable.