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Insurance Considerations for Horse Coverage

If you’re looking for horse insurance, you should be forewarned that it’s not as simple as one might imagine. Because horses are very large animals and they are prone to accidents and injuries they require specialized care. Also, your insurance needs will vary depending on their use. Here are some of the things you should keep in mind if you’re looking at securing a policy.

Horse-related Businesses and Liability

If you own or manage any kind of horse-related business, you absolutely need to have comprehensive horse insurance coverage. Any time you work with horses and the general public it opens up a whole host of liabilities. Some examples of these types of businesses include: horse riding lessons, equine therapy, guided trail rides, beach rides and equestrian camps. At a bare minimum you should always carry general liability and property damage insurance if you run any of these types of businesses.

Loss of Use

If you do manage an equine program and your horse becomes incapacitated for any reason it will negatively impact your income. You can get loss of use coverage to compensate you for monetary loss.

Surgical Procedures

There are a handful of common emergency surgical procedures for horses, which as you can imagine, can be very expensive. Some of these surgeries include obstetrics, ruptured bladder, strangulating hernia, Colic and joint trauma. Be mindful that you need to look at surgical coverage very closely because all surgeries are rarely covered. You may need to add a couple of policies in order to get comprehensive coverage.

Minor Medical Maintenance

The average horse weighs about 1,000 pounds, anything of that size is going to have problems navigating small spaces and tight corners. Horses are known to get scrapes, bruises and bumps fairly regularly. If they’re not treated properly, they can get injected which will require medical attention.