If your horse becomes permanently incapable of fulfilling the functions for which it is used as stated on your policy but its condition does not necessitate destruction for humane reasons, you may suffer a financial loss. We have the option of letting it be destroyed or taking possession and title of the horse. The farm policy should recognize that many people not only work on their farm, but live there. Therefore, in addition to covering the farm operation, make sure that the company you choose can tailor the policy to handle the needed protection for a homeowner or family who also lives on a horse farm. Having a farm policy will also insure you against farm liability up to the stated limits of the policy.
Coverage is available for small individual operators or commercial equine operations.
When a person is injured or someone else's property is damaged as a result of your farm activities your insurance will, subject to the exclusions in the policy, settle claims for which you are legally liable. Most equine operations are eligible, including but not limited to show, personal use, boarding, training, breeding and riding instruction operation facilities. Message Forums . Ltd. All rights reserved.