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The equine industry consists of many unique liability exposures that many standard homeowner and farm owner insurance policies typically exclude or severely restrict. Our liability program for horse owners can provide the necessary legal liability protection for most horse related operations. It will provide the protection you need arising out of your horse business. It is intended for the amateur or the professional. It can be designed for a small two horse operation or it can cover a large breeding farm. Coverage is available for small individual operators or large commercial equine operations with policy limits of up to $1,000,000.
Regardless of the size of your operation, you’ll be insured for your legal liabilities up to the limits stated in the policy. When a person is injured or property damaged as a result of your equine operations we will, subject to the exclusions in the policy, settle claims for which you are legally liable. In addition to this, we will make sure you are defended in lawsuits whether substantial or groundless and in most cases pay for all court costs and judgments, subject to the limitations and exclusions stated in the policy. Whether your activities involve riding instructions, breeding, racing, showing, boarding, pleasure activities or training, we can custom design a policy to fit your liability needs.
Certain exclusions and limitations apply to the Horse Owner’s General Liability policy so please refer to the policy itself for more information. This material is not the policy itself and it is designed only to describe its contents. It is important to discuss all the coverage provided and exclusions contained in the policy with your agent before purchasing any insurance plan.
The Wilkins Farm and Ranch policy again offers the best possible coverage at the lowest possible rates. For individual farm or ranch, partnership properties, or a large corporate farm, Wilkins will ensure that you have all the necessary coverage.
Coverage is available for all of your different types of farm structures. From the structure you live in, to your barns, stables and pens. We offer the basic coverages to a customized comprehensive coverage that covers everything of value inside and out.
The 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 with policy limits up to $1,000,000*. When a person is injured or someone else’s property is damaged as a result of your farm activities, the insurance carrier 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.
Certain exclusions and limitations apply to the Farm policy so please refer to the policy itself for more information. This material is not the policy itself and it is designed only to describe its contents. It is important to discuss all the coverage provided and exclusions contained in the policy with your agent before purchasing any insurance plan.
If you trailer, board, train or breed non-owned horses, this legal liability coverage will defend you in the event that someone else’s horse is injured or dies while in your care. If you are transporting a horse owned by someone else and are involved in a vehicular accident, you could be held legally responsible.
CC&C will cover defense costs should a lawsuit be brought against you, and can also cover the medical expenses and replacement costs should you be found negligent in a court of law and deemed responsible for the injury or death to the horse that is in your Custody Care and Control at the time of the incident. Care Custody & Control is not available if you are a commercial carrier.
Wilkins Livestock Insurers, Inc. understands the financial commitment involved in the equine industry. Whether you have a recreational horse, a competitive equine athlete or a valuable breeding animal, we know horses can be expensive. In the event of misfortune, a comprehensive insurance policy can help ease a devastating loss, and keep you focused on your equine dreams. We offer a wide range of equine coverages, dependent upon and customizable to each owner's needs.
Full Mortality coverage insures your animals against death as a result of injury, illness, disease, humane destruction, transportation or theft. No vet exam is needed on standard aged horses valued at $100,000 or less, and coverage includes Free Emergency Colic Surgery coverage (on qualified horses).
Provides reimbursement for the cost of medical bills caused by accident, sickness, or disease.
Provides reimbursement for the cost of medical bills caused by non-elective, surgical invasive procedures
Provides coverage in the event a stallion becomes permanently and totally incapable of impregnating mares as a result of accident, sickness or disease.
Provides reimbursement in the event a horse becomes permanently incapable of serving the function for which it was insured.
Wilkins Livestock Insurers, Inc. is proud to be the industry leader for llama and alpaca insurance. We represent several of the top companies worldwide, enabling us to offer you the best possible protection at the lowest possible rates.
Having been many years in the alpaca and llama business, we have a unique vantage point regarding your financial investment and the animals most special to you. Insurance coverage offered for alpacas and llamas includes: