Equine Liability Insurance?
Do any of you have experience with Equine Liability Insurance companies? I consider I need to get some insurance but don't know how to pick a company. I be hoping some of you had some experience with a company and could recommend ones to use or avoid. Also, any standard comments about liability insurance would be appreciated as well. I own two quarter horses and board them on my property.
Answers:
Yes, I have a horse horse-drawn carriage company and am required to carry full liability insurance. I don't know what state that you are in, as that make a difference who can write policies in your particular state. If you would carefulness to personally email me (my email is open) I will tell you my company's label and names of others as well and how to find what you involve. In most states, if you post the state law "If you willingly assist in equine activities, etc etc etc............) you truly are pretty protected unless there is negligence which can be proven...If and when I hear from you via email, I will share some more information with you. I am not trying to be sneaky, there just isn't room to share here the information that you requirement.
I haven't had to buy it yet so I'm not that up to date with companies, but I know that if you are an instructor and are certified (through CHA for sure, probably others as well) it cuts your rates down pretty significantly.
http://www.cha-ahse.org/cert1.htm#benefi…
i have equinealberta but unless you live in alberta i dont conjecture you can get it
If you are going to have insurance on them the best piece to do is just put enough on them to get hold of the major medical. It will talk precision of just about adjectives of your problems
The problem is that nowadays there are merely 4 underwriters who will do this type of insurance. There are a million agents who can get you a quote, but they all dance to the same 4 or 5 companies who actually underwrite it. (I have the same thing come to pass with my professional liability, didn't know that until I tried to get it.)
Your best bet is to contact 4 or 6 insurance agents and own them get you some quotes, the difference in the price will be a consideration of their percentage (or greed, depending on how you look at it.) Almost all the coverages offered will be identical.
Also, earlier you shell out any money, there are so many exceptions that put the blame for any incident squarely on you anyway, I'd really read that policy in the past shelling out any hard earned lolly. If there's any way they can weasel out of actually paying a claim, they're going to do it. Source(s): Ashamed to make a clean breast it, but I work as an insurance claims investigator.. LOL
We have equine liability on our Home Owners insurance.
We re-insured our home and property beside another insurance agency that DID provide Equine Liability.
Our Agent is Larry Viegas Insurance Service he is in Roseville, Ca. (near Sacramento), he found an insurance Company (American Bankers Insurance Company in Pasadena Ca.) that specializes contained by this. We have 14 horses, board outside mares, and I give riding programme and this policy also covers anyone on our property that may be injured by our horses. (I do require them to sign a release of Liability) if they are riding any of our horses.
Our Agent is very familiar near all types of Equine insurance, we started using him for our personal insurance because we belong to several Equine Clubs that use him for their Insurance when putting on events. He is very learned, regarding any questions you might enjoy.
I hope this will be of some help to you.
There is a lady by the moniker of Julie Fershman that writes an artice every month in The Central States Horseman Newspaper.
She is one of the top equine lawyers contained by the U.S. And very well spoken! Dont know where on earth your from, but you can call 314-638-0682 to get a subscription if you not close the St. Louis area.
Related Questions:
Answers:
Yes, I have a horse horse-drawn carriage company and am required to carry full liability insurance. I don't know what state that you are in, as that make a difference who can write policies in your particular state. If you would carefulness to personally email me (my email is open) I will tell you my company's label and names of others as well and how to find what you involve. In most states, if you post the state law "If you willingly assist in equine activities, etc etc etc............) you truly are pretty protected unless there is negligence which can be proven...If and when I hear from you via email, I will share some more information with you. I am not trying to be sneaky, there just isn't room to share here the information that you requirement.
I haven't had to buy it yet so I'm not that up to date with companies, but I know that if you are an instructor and are certified (through CHA for sure, probably others as well) it cuts your rates down pretty significantly.
http://www.cha-ahse.org/cert1.htm#benefi…
i have equinealberta but unless you live in alberta i dont conjecture you can get it
If you are going to have insurance on them the best piece to do is just put enough on them to get hold of the major medical. It will talk precision of just about adjectives of your problems
The problem is that nowadays there are merely 4 underwriters who will do this type of insurance. There are a million agents who can get you a quote, but they all dance to the same 4 or 5 companies who actually underwrite it. (I have the same thing come to pass with my professional liability, didn't know that until I tried to get it.)
Your best bet is to contact 4 or 6 insurance agents and own them get you some quotes, the difference in the price will be a consideration of their percentage (or greed, depending on how you look at it.) Almost all the coverages offered will be identical.
Also, earlier you shell out any money, there are so many exceptions that put the blame for any incident squarely on you anyway, I'd really read that policy in the past shelling out any hard earned lolly. If there's any way they can weasel out of actually paying a claim, they're going to do it. Source(s): Ashamed to make a clean breast it, but I work as an insurance claims investigator.. LOL
We have equine liability on our Home Owners insurance.
We re-insured our home and property beside another insurance agency that DID provide Equine Liability.
Our Agent is Larry Viegas Insurance Service he is in Roseville, Ca. (near Sacramento), he found an insurance Company (American Bankers Insurance Company in Pasadena Ca.) that specializes contained by this. We have 14 horses, board outside mares, and I give riding programme and this policy also covers anyone on our property that may be injured by our horses. (I do require them to sign a release of Liability) if they are riding any of our horses.
Our Agent is very familiar near all types of Equine insurance, we started using him for our personal insurance because we belong to several Equine Clubs that use him for their Insurance when putting on events. He is very learned, regarding any questions you might enjoy.
I hope this will be of some help to you.
There is a lady by the moniker of Julie Fershman that writes an artice every month in The Central States Horseman Newspaper.
She is one of the top equine lawyers contained by the U.S. And very well spoken! Dont know where on earth your from, but you can call 314-638-0682 to get a subscription if you not close the St. Louis area.
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