Equine Insurance in Pilot Mountain NC & Mount Airy NC
Live to Ride.
Owning horses can be rewarding, but it can also present liability exposures. If your horse causes bodily injury or property damage to someone, your homeowners and standard farm owners insurance policies likely won’t cover such incidents. And, if you own horses but do not operate a commercial horse business, private horse owner liability insurance can protect you against legal claims either on or off your premises. The bottom line is if your horse will ever come into contact with people, equine coverage can protect your investment.
Simmons Insurance Agency can provide guidance on equine insurance coverage, so call or request an online quote.
What Is Equine Insurance?
Equine insurance, or horse insurance, provides coverage in the event a horse becomes ill or dies, is no longer able to be used for business purposes, or causes an injury or property damage to a third party. Given the high value and potential danger associated with owning a large animal such as this, equine coverage is critical.
What Does Equine Insurance Cover?
Equine insurance offers the following common coverage options:
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Full mortality
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Major medical
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Surgery
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Loss-of-use
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Colic
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Personal liability
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Business liability
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Property
Do I Need Equine Insurance?
Equine insurance is ideal for all types of horse-related businesses, including:
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Carriage and wagon rides
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Guided trail rides
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Horse shows and clinics
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Outfitters and guides
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Polo grounds
This coverage will protect you if you are sued by a third party who is injured or whose property is damaged by your horse. Without sufficient liability coverage, you could have to pay damages and defense costs. Simmons Insurance Agency can help you select or customize the right coverage for you and your business.
How Much Does Equine Insurance Cost?
Coverage pricing will vary. The following factors impact the cost of equine insurance:
Considering the cost of equine surgeries and potential lawsuits from horse-related injuries, equine insurance is worth the investment.
How Do I Get Equine Insurance?
The considerable time and money you invest in your horse is too important to go unprotected. Simmons Insurance Agency can verify your eligibility for equine insurance and check North Carolina legislation to understand any applicable limitations.
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