. Request An Equine Mortality Quote
. Request An Equine Property Quote
. Protect Your Horse and Your Investment
. Mortality Coverage
. Loss Of Use
. Personal Equine Liability
. Horse Show & Clinic Coverage
. Homeowner, Farm & Estate
. Riding Clubs And Associations
. Claims Information
. Frequently Asked Questions
. Equine Links
. Horse Owners Liability Applications
Mortality Coverage
The Full Mortality policy is an open peril policy, which covers for death because of accident, illness, injury, humane destruction and transportation anywhere in the continental U.S. or Canada, and includes loss or death because of theft. Veterinary certificates are required for horses valued over $100,000. Coverage is available for horses 24 hours to 20 years old. Premiums are based on a percentage of the horse’s value, depending on its age and use. To get an emailed quote within 24 hours, go here.
12-Month Extension
The Full Mortality policy also includes a 12-month guaranteed extension. If your horse suffers a health problem during the policy period and this problem is reported to the insurance company at that time, mortality coverage will automatically continue for up to 12 months from the expiration date of the policy, for that specific condition. The 12-month extension applies only to the Full Mortality Coverage.
Wade & Egbert Equine Mortality Coverage Application
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Protecting Your Business
Commercial General Liability Application
This policy is very important if you perform any commercial equestrian activities such as boarding, instruction, training, breeding, buying and selling horses, etc. The policy protects you in the event that a client or third party sues you for bodily injury or property damage due to your commercial exposures. You can be covered at your own facility, at a facility you lease, or at a multitude of facilities if you teach at various sites. Landowners can be named as Additional Insureds to the policy as well. Limits of $500,000 and $1,000,000 and higher are available, and coverage includes legal defense.
Please note: No coverage for horses in your Care, Custody, or Control is provided by the Commercial General Liability policy. You can add this coverage, as explained below. Click here for an application form.
Care, Custody, or Control Application
Equine Care, Custody or Control (CCC) insurance is an essential coverage for all horse operations that care for other people’s horses, including boarding, breeding, and training. Standard General and Commercial Liability policies exclude coverage for personal property (such as horses) in your care, custody and control. This coverage pays all sums you are legally obligated to pay for damage to non-owned horses in your care, custody and control. This coverage does not apply to horses that you own or lease. (See Mortality Coverages for these horses) Click here for an application form.
Your coverage will cover up to the chosen policy limits for the injury, theft, or death of horses in your care, custody and control, including defense costs, which you are legally obligated to pay. Policy limits are available from $5,000 up to $2,500,000 per horse and from $25,000 to $5,000,000 maximum annual aggregate loss per policy year.
Excess / Umbrella coverage can provide higher limits of protection above the limits provided by your Commercial Liability, Auto, Watercraft or Employer’s Liability policies. In today’s environment, characterized by rising values and an increasingly litigious society, often primary liability limits of $500,000 to $1,000,000 prove disastrously inadequate to protect your assets. Excess / Umbrella limits range from $1,000,000 to $10,000,000 and include defense costs.
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Loss Of Use
For an additional charge, this coverage can be added to your Mortality Policy to reimburse you for the cost of surgical operating room charges. In addition, you will receive a maximum of 35% of that cost for approved non-surgical aftercare medical fees. The annual aggregate limit is $5000 per illness, injury, or incident. Coverage is available for horses ages 24 hours and older.
In the event your proven stallion becomes permanently incapable of settling mares in foal as a result of an accident, sickness, or disease, this coverage pays up to 100% of the insured value.
If your horse is permanently unable to perform its insured use due to a visible injury caused by external, accidental, and violent means, this coverage pays up to 75% of the insured value. This coverage also has specific age and use restrictions.
In the event your horse becomes permanently unable to perform its insured use because of an accident, illness, injury or disease, this coverage pays up to 75% of the insured value. This coverage has very specific age and use restrictions, and a complete veterinary examination, including X-rays and flexion tests is required.
Available to horses of any age, this policy provides coverage for death because of specific named causes such as fire and lightning. Many owners purchase this coverage after their horses can no longer be covered by a full mortality policy due to advanced age.
GO TO LOSS OF USE EXAMINATION FORM (PDF)
To be completed by veterinarian in addition to the Veterinary Examination Form combined internal/external loss of use coverage.
GO TO EQUINE INSURANCE COVERAGE QUOTE FORM
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Personal Equine Liability
Horse Owners are faced with unique liability exposures that may not be adequately covered under personal liability policies, such as homeowner's policies. A Personal Equine Liability policy is specifically designed to cover the horse owner in the event they are sued by a third party for bodily injury or property damage caused by their horse. Individual owners of personal or show horses, who do not derive income or are involved in a commercial endeavor with their horses, are eligible.
Liability coverage including defense costs is available with limits up to $1,000,000. This includes the cost of bail bonds, pre-judgment interest, and up to $100 per day loss of income if you must miss work to assist in your defense.
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Horse Show & Clinic Coverage
Horse Show, Event and Clinic organizers with their varied functions pose unique liability exposures, which need specially designed coverage tailored to these needs. A program covering meetings, fund-raisers as well as clinics, public horse shows can be written on a short-term for one time event or annually. Coverage is designed to insure the Show management for sums legally obligated to pay for bodily injury and property damage. Coverage can be extended to cover facility / landowners and includes legal cost.
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Homeowner, Farm and Estate Coverage
We can make available the industry’s broadest and most comprehensive products available to the modern day horse farm owner. Coverage can be custom designed to meet the specific needs of your operation from a small acreage pleasure farm to a multiple location commercial farm. For example, we can even insure your arena footing and collapse of an indoor arena due to the weight of ice and snow.
Horse Owners are faced with unique liability exposures that may not be adequately covered under personal liability policies, such as homeowner’s policies. A Personal Equine Liability policy is specifically designed to cover the horse owner in the event they are sued by a third party for bodily injury or property damage caused by their horse. Individual owners of personal or show horses, which do not derive income or are involved in a commercial endeavor with their horses, are eligible.
Liability coverage including defense costs is available with limits up to $1,000,000. This includes the cost of bail bonds, pre-judgment interest, and up to $100 per day loss of income if you must miss work to assist in your defense.
Personal Horse Owner's Liability Application
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Riding Clubs And Associations
Riding Clubs and Equestrian Associations with their varied functions pose unique liability exposures, which need specially designed coverage tailored to these needs. A program covering meetings, fund-raisers as well as clinics, public horse shows can be written on a short-term for one time event or annually. Coverage is designed to insure the club or association and its members for sums legally obligated to pay for bodily injury and property damage resulting from club activities. Coverage includes legal costs.
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Claims Information
In the event of a claim or emergency, refer to the claim card located in your policy jacket for underwriter and claim information or contact your Wade & Egbert agent. Thank you.
Immediate notice must be given to the insurance company in the event any insured horse suffers any accident, illness, disease or death. Claims representatives are available 24 hours/day, seven days a week and will be happy to walk you through the claims process.
If your policy number begins with AMP please call;
Great American Insurance Co.
Web site: www.greatamericaninsurance.com
24 Hour Number: 800-331-0211
Claims FAX (352) 351-8930
If your policy begins with AEM please call;
National Equine Adjusting.
PH: (800) 783-9418
PH: (502) 875-3561
FAX: (502) 875-3281
If your policy begins with (C) or no letter please call;
Chartis
PH: (866) 927-7475
PH: (859) 272-8861
PH: (866) 441-9688
Property and Liability Claims
PH: (615) 383-9061
FAX: (615) 383-0591
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Frequently Asked Questions
Q: At what ages can I insure my horse?
A: Full Mortality Coverage: Horses over 24 hours old through 20 years Major Medical / Surgical: Horses over 30 days through 20 years old Surgical Only: Horses over 24 hours old Extended Named Perils: All horses of any age :
Q: Is it necessary to have a Veterinary Certificate completed in order to insure my horse?
A: Horses 30 days to 15 years of age valued at $100,000 or less do not require a Veterinary Certificate unless the horse has suffered a recent injury and or illness. Horse valued at $100,000 and higher need to have a Veterinary Certificate completed within 30 days of coverage going into effect
Q: How much can I insure my horse for?
A: You can insure your horse for it’s fair market value or less. Fair market value is the dollar amount you could get if you sold your horse. This value is determined by purchase price, competition records and training. A Substantiation of Value form is often required to establish fair market value.
Q: Should I consider purchasing Major Medical / Surgical coverage?
A: Simply put, yes! Major Medical / Surgical covers all reasonable medical treatment by a licensed Veterinarian necessitated by an accident injury or illness. It also provides coverage for non-surgical diagnostics up to the policy limit such as X-rays, ultrasounds, blood work, bone scans, up to six months from the onset of the condition. Under the terms of your mortality policy, you are required to give proper care and attention to your horse.
If your horse develops a serious problem such as EPM, colic, or has a fracture and the veterinarians believe your horse can be saved, you are expected to provide for that care. Humane destruction is covered under the mortality policy, but economic destruction is not. If you choose to put your horse down for financial reasons, the mortality coverage would not apply.
Major Medical/Surgical coverage would help you with these veterinary expenses. Major Medical / Surgical endorsement have a $5,000, $7,500, $10,000, $12,500, $15,000, $20,000 or $25,000 annual aggregate limit. There is a deductible per illness, injury or incident. Horses from 30 days up to 20 years old qualify. When comparing Medical coverage’s from different companies, ask to see the wording to see exactly what is covered and more importantly, what is not covered.
Q: What can I do when my horse is too old to qualify for Major Medical / Surgical coverage?
A: You should consider Surgical Only coverage for your horse. This option covers the cost of anesthesia / surgery and provides up to 35% of the surgical treatment in aftercare. Annual aggregate limit of $2,500, $5,000 and $10,000
Q: Do I need a Veterinary Certificate completed each year to renew my policy?
A: A Veterinary Certificate is not necessary for most renewals. This is normally true if your horse is sound, healthy, has not had any reported incidents or medical claims during the policy period, and is insured for less than $50,000. However, a statement of condition will be required for all renewals signed by the insured.
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Equine Links
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Equine Insurance Coverage Quote Form
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Horse Owners Liability Applications:
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