In order to insure a horse you must have an insurable interest in the horse (owner, co-owner, or lessee).
In order to provide a quote, we will need the following information:
Please email this information to us at office@connaway.net or call us at 501-868-8084 if you would like to receive a quote over the phone and a description of coverage options.
We work with several A rated admitted insurance carriers and can provide coverage options from multiple carriers.
We look forward to hearing from you!
In the event of a medical emergency, contact your veterinarian immediately and proceed with life-saving care. Next, contact your insurance carrier on the emergency phone number in your policy or on the ID cards provided. The carriers we work with all have 24/7 emergency numbers. It is important to provide insurance emergency contact information to your horse’s caregivers, so they know who to contact in the event of an emergency.
Yes. The insurance carrier requires notification of any changes in the condition of your horse. It is a part of your insurance contract to notify the insurance carrier of any accidents, illnesses, injuries, diseases, colics, ulcers, lameness, or when your horse is seen by a veterinarian for non-routine care. Insurance carrier notification should be made at the time of the change in condition. Late reporting may impact your coverage under the policy. If you do not plan to file a claim, an incident only report can be provided.
Filing a medical claim begins with notification of the illness or injury. The insurance adjuster will request contact information for each treating or referring veterinarian. Each veterinarian will then receive a report to complete regarding the illness or injury, which they return directly to the adjuster. Depending on the claim, a full medical history may be required.
Once the reports are provided, an onset date is established. The onset date is important because it confirms that the condition falls within the policy term and that the incident was reported within the policy reporting period. The adjuster cannot confirm coverage for a claim until it is determined that the onset of the condition falls within the policy reporting period.
The “use” of your horse is the job your horse performs (examples: show hunter, show jumper, dressage, eventing, barrel racing, driving, roping, breeding, etc…). If the use of your horse changes any time during the policy period, let us know and we will provide the change in use to the insurance carrier. Your insurance carrier requires notification if the use of your horse changes. Examples of change in use: You start jumping your Dressage horse; Your horse is bred; Your Show Jumper starts schooling cross country or starts Eventing; Your Eventing horse moves up to Preliminary Level; etc… Depending on the use change, your insurance carrier may not offer the same coverages.
If the ownership interest changes at any time during the policy period (example: co-owner or lease), please notify us at the time of the change. The insurance carrier requires notification of any ownership changes and/or leases at the time of the change of lease. If you have sold your horse and the horse has been paid in full, you no longer have an insurable interest and the policy should be cancelled (any unearned premium will be returned to you). If you are selling your horse and the horse is being purchased in installments, you should remain on the policy as Loss Payee until the horse has been paid in full.
In a horse mortality policy, Full Mortality is the base coverage; it reimburses you up to the insured value of the horse for death, theft and authorized euthanasia. If you think the Full Mortality Value/Insured Value of your horse has changed during your policy period, contact us. If you would like to request an increase in the insured value due to show results or professional training, we will provide this information to the insurance underwriter for a value review. If you would like to request a decreased value, an email from the policy holder confirming the request is required.
Value changes can be requested any time during the policy period; contact us to discuss the process. The available medical options may change if the full mortality value is changed.
In the event of your horse’s death or theft, report the loss immediately to your insurance carrier. In cases of theft or vehicular involvement, such as a car accident, contact the police. Do not have your horse euthanized without authorization from your insurance carrier. If your horse is found deceased, report the death immediately. A necropsy is required if the horse is euthanized or is found deceased. It is important to advise your horse’s caretaker of these loss notification procedures.
When an insured horse dies, the responsibilities of the insured include providing proof of ownership and proof that the horse died from a “covered cause of loss.”
Documentation used to satisfy these requirements includes:
Proof of ownership/purchase documents such as the bill of sale, passport, and registration papers are required. You will also need proof of payment (for example, proof of a wire transfer). If the horse is a homebred, keep records and proof of payment for the stud fee, as well as any professional training. You should also keep your horse’s show and/or breeding records on file. Having a file with all the necessary documentation on hand will help make the claims process as smooth as possible.
Proof that your horse died from a “covered cause of loss” comes from the necropsy report. The claims adjuster will also request medical reports and possibly the horse’s full medical history from the treating veterinarians.
Every farm property is unique. Depending on your operation, a Farm Package Insurance Policy can provide coverage for your property (examples: home, barns, covered areas, etc…), personal property, farm personal property (examples: tractors, arena grooming equipment, mowers, tack, saddles, etc…) and liability. The liability coverage is exposure-specific based on the insured’s activities/operations ranging from a personal farm without any commercial exposures to a large scale commercial operation. Please call us to discuss your Farm Property insurance needs.
A standard Equine CGL policy provides coverage for Bodily Injury and Property Damage to third parties. This means that if a guest or client is injured or if you accidentally damage someone else’s property during the course of your business operations, your CGL policy can help cover legal costs and settlements if you are found liable in a court of law.
Many equine professionals are surprised to learn that the basic Equine CGL policy does not cover liability arising from wrongful acts as a professional, liability involving non-owned horses, or injuries to employees. These important risks require additional endorsements or, in the case of employees, a separate policy altogether.
| Liability Coverage | Commercial General Liability (base policy) | Equine Professional Services (endorsement) | Equine Care, Custody or Control (CCC) (endorsement) |
| Bodily Injury | ✅ | ||
| Property Damage | ✅ | ||
| Wrongful Acts As a Professional | ✅ | ||
| Monetary Damages | ✅ | ||
| Injury or Death of a Non-Owned Horse in Your CCC | ✅ |
If you offer equine sales, riding lessons, clinics, training, judging/officiating, show management, course design, or other professional equine services, you should consider adding an Equine Professional Services endorsement. This policy endorsement provides coverage for wrongful acts such as actual or alleged errors, misstatements, misleading statements, act or omissions in the rendering of or the failure to provide Equine Professional Services that result in monetary damages. Without it, your base CGL policy won’t respond to claims that cause economic loss to a third party for instance as the result of an equine sale.
Equine Care, Custody or Control (CCC) is a very important insurance coverage for all horse operations that involve non-owned horses (horses not owned by the insured). You should consider adding this coverage endorsement if you board, train, or breed horses for others. If one of those horses is injured, stolen, or dies while in your care and you are found negligent/legally liable, this policy will provide for the medical care or replacement cost of the horse up to the per horse policy limits. Defense costs are also covered up to the per horse policy limits.
CCC includes incidental transportation coverage for transportation of non-owned horses in your care while in the Continental U.S. and Canada. The transportation must be incidental only (the horse must be a boarding, training, or student horse in a regular program with you). There is no coverage for commercial hauling (horses that are not in a boarding, training or lesson program with you).
The Equine Commercial General Liability policy does not provide coverage if your employees are injured. You need a separate Worker’s Compensation policy for this coverage.
In the equine world, no two operations are alike — and neither are the risks. Whether you’re running a boarding facility, providing riding lessons, or training competition horses, it is essential to assess the specific exposures of your business. Relying on a basic liability policy alone could leave you financially vulnerable in the face of a claim.
Please call us to discuss your liability insurance needs.
Personal Horse Owner Liability insurance (PHO) is for individual horse owners (or lessees) that do not provide commercial services such as riding instruction, training, horse sales, or boarding of non-owned horses.
Most homeowner’s policies exclude liability coverage for horses off premises, or exclude liability coverage for horses entirely. PHO protects you in the event you are held legally liable for bodily injury or property damage to someone on or off your premises for a horse you own or lease from others. For example, if your horse gets loose at a horse show and injures a spectator, gets loose and causes a traffic accident, or bites a visitor to the barn, you could be held liable. PHO does not provide coverage if your horse injures professionals or hired service providers (examples: veterinarians, farriers, trainers, employees at your boarding facility) or coverage for riding or commercial activities (examples: guest riding your horse or horse used in a lesson program as a school horse. Once mounted, riding is at one’s own risk. Commercial use of your horse is not covered under this policy).
