Farm & Ranch Coverage OfferedThe Farm and Ranch Policy The Farm and Ranch Policy is a general liability policy designed to protect you, your assets and your equine business
Coverage includes your home, auto, the homes of employees, barns, etc. Property coverage is Section 1 of this policy.
Section 2 addresses liability coverage. Liability insurance protects the assets of a business when it is sued for something it did (or didn't do) to cause an injury or property damage. A Farm and Ranch Policy provides both personal and commercial general liability. Litigation assistance is also included in this liability coverage. In the event you, the insured, are sued, this policy will defend you at no additional cost.
For those businesses needing only commercial general liability coverage, scroll down to Stable Liability.
Stable Liability Another liability option available is the Stable Liability Policy. It is a commercial general liability policy designed specifically for equine professionals. Commercial general liability coverage protects the assets of a business when it is sued for something it did (or didn't do) to cause an injury or property damage. Another major advantage of Stable Liability is its ability to assist you in the event that you are sued. If you, the insured, is sued, this policy will defend you at no cost.
Event Liability Event Liability is offered for those holding equine events. It protects the event holder from lawsuits resulting from an injury or property damage that occurred during the event. These policies protect the premise owner as well due to them being included in the policy as additionally insured.
Club & Association Liability Insurance Coverage for Club and Association Liability is very similar to Event Liability except that there are generally more events throughout the year. Therefore the rate schedule is slightly different in that the membership size and event type determines the rate.