Equine & Equestrian

The Equestrian Group stands for innovation and quality in the horse insurance community.  In fact, we invented many of the equine policy forms and endorsements now considered standard coverage for the horse industry today. We are one of the country’s largest providers of coverage for show, and pleasure horses, horse farms, rodeos, and equestrian professionals, clubs and shows. 

Thanks to over forty years of underwriting experience The Equestrian Group has developed these affordable high quality insurance programs for your protection. As leaders in the field of horse insurance/equestrian insurance, we provide expertise and access to insurance risk management products to horse owners all around the county. This guarantees our clients the highest quality insurance products at the most competitive premiums.

You can connect with an independent network agency near you to learn more about coverages offered through The Equestrian Group.

The Equestrian Group Policy & Program Links

Equine Insurance Programs

Horse Insurance

Trust the company horse owners count on for being responsive and responsible with their horse on the road with all of your equine insurance needs. AFIG’s Horse Insurance and Equine Insurance suite of products are tailored to fit the needs of professionals and amateurs. Your horse is a trusted partner considered a member of your family. Your horse is also a valuable investment that you need to protect. Within their environment or as a part of their use, you know equine are susceptible to many perils. You can be prepared to handle these risks by protecting your horse with equine a horse insurance or equine insurance policy from AFIG. Our no-hassle insurance products provide you with overall peace of mind to insure your equestrian lifestyle. 

Equine Mortality and Major Medical 

We designed this vital coverage to insure your horse against death from almost any cause. The mortality policy includes humane destruction made necessary by an illness or accidental injury. Our policy is unique in the industry as the basic form includes coverage for theft and colic surgery at no additional cost.  Preferred rates, comprehensive worldwide coverage, telephone binders and 24 hour claim service makes this your policy of choice.

Farrier’s Insurance 

If a person (other than an employee) is injured on your premises or as a result of your business activities, you are covered.  If property is damaged because of your negligence you are also covered. You are protected for claims against products you sell or work you have performed. If a horse is injured or dies while in your care, custody and control, you are covered up to certain limits spelled out in the policy. In addition, your equipment and supplies are covered against loss or damage!

General Liability: (including legal defense costs) on an occurrence form up to limits of $300,000 CSL, $500,000 CSL or $1,000,000 CSL.

On and Off Premises: Protection against claims made and legal judgments rendered against you and your business due to bodily injury or property damage caused by your farrier activities, regardless of where the claim occurred. (Claims by employees are not covered.)

Completed Operations: Coverage for claims and legal judgments due to bodily injury or property damage caused by work you have performed.  For example: a shoe comes off two or three days after it is put on, resulting in injuries to the horse and rider.

Care, Custody and Control Liability: Standard limits of $5,000, $10,000 or $25,000. This important benefit picks up coverage for injury  to any non-owned horse as a result of your negligence as Farrier while the horse is in your care, custody and control.

Equipment & Supplies Floater (currently not available in TX): standard limits of $1,000, $2,500 or $5,000 with a $500 deductible per claim. This coverage provides protection for loss or damage to your transportable inventory of horse shoes, tools and supplies that are used in connection with your farrier practice. Theft is covered but please refer to the policy for specific details on other perils covered.

Horse Shows, Rodeo, and Special Event Liability

Millions of people each year attend horse shows, rodeos, fairs, festivals, trail rides and special events covered by Equestrian Group insurance programs. This affordable and comprehensive policy is underwritten by A+ national insurance companies. The horse show organization, officials, committee members, judges, course designers and premises owners are all automatically included as additional insureds.

You also get state-of-the-art liability releases and show contracts at no additional charge!

Race Horse Owners Liability

This liability policy is to cover the unique liability exposures of Race Horse Owners for injury or damage caused by the horses. Individuals, partnerships, corporations and syndicates which own racing stock (including stallions at stud, brood mares and yearlings) but are not directly involved in breeding, training or racing (i.e. contract with independent trainers, breeding farms) are eligible. Owners should obtain certificates of insurance from the independent contractors to assure adequate protection.

Prices are very competitive with liability limits to $1,000,000 available.

The coverage of this policy is designed to insure you for your legal liability up to the limits of the policy. When a person is injured or property is damaged as a result of activities involving the horse or horses you own we will, subject to the exclusions in the policy, settle claims for which you are legally liable, including defense costs. It is important that your horse operation be protected by a company with a strong financial background, strong equine experience and expertise to meet your needs in the horse industry.

Riding Club Liability

For as little as $400 per year our $1,000,000 riding club policy covers all club members if a law suit arises from a club activity.  Coverage is provided for all club activities on owned or leased premises and products/completed operations and personal advertising injury can be included. Boarding, riding instruction, clinics and special events can be added by endorsement.  A farm package can also be written for clubs which own property. The basic policy premium includes the first 100 members and seven public events. Shows, clinics, gymkhanas and trail rides held by and for the sole benefit of members are automatically covered at no additional charge.  

Trainers and Riding Instructors Professional Liability

Our special liability policy for trainers and riding instructors covers your liability exposures anywhere in the United States or it’s territories for as little as $500 per year. Premises owners and show grounds are automatically named as additional insureds at no additional cost.  We can even include coverage for your tack, equipment and care, custody & control. All you have to do is complete a short application. We can have your policy in force within 24 hours!  

Farm, Ranch, & Estate Insurance

The Equestrian Group Farm & Ranch package is custom designed to meet the insurance needs of today’s horse farm owner. The farm policy offers both flexibility and broad protection at a competitive price. Whether you operate your horse farm as an individual, partnership, or a corporation we can tailor make the necessary insurance protection.

• Property insurance to cover your home and contents, barns, sheds, owned machinery, equipment, tack, and livestock.

• Liability insurance to cover your home and your horse operation, on and off premises, including such operations as: Boarding, Breeding, Racing, Training, Horse Shows and Riding Instruction.

• Automobile coverage for personal, farm and commercial vehicles in one policy.

    HIGHLIGHTS:

• A+ Rated insurance company.

• Various property deductibles are available.

• Credits are available for protective devices such as smoke alarms, security systems and locks.

• Credits for good loss history and personal experience.

• Replacement cost coverage is available on buildings and household contents.

• Basic, Broad, or Special are options for all property.

• Identity Theft Coverage.    

• Automobile Coverage can be included.

• Personal liability can be included.

• Up to $10 million liability limit is available.

Veterinary & Animal Services Policy

The special policy provides all of the insurance protection your business will need in one comprehensive package. The Equestrian Group’s Ultra Animal Services Program is a preferred product designed specifically for veterinarians, animal hospitals, domestic pet breeders and groomers, kennels, pet motels, pet stores and animal cemeteries.

Personal Horse Owners Liability

Horse Owners are faced with unique liability exposures that may not be adequately covered under normal personal liability policies such as a homeowner policy. The Equestrian Group has specifically designed an insurance policy to cover the horse owner’s legal liability for both bodily injury and property damage to others resulting from horse ownership. If you own horses, and do not operate a commercial horse business, our Private Horse Owner liability policy protects you against claims that were brought on by your horse. This includes bodily injury or property damage to a third party on or off your premises — even if your horse is kept at an independently owned stable. If your horse comes into contact with people, you need this type of coverage!  Many homeowners’ policies limit this coverage or exclude it altogether. Liability coverage, including defense costs, is available with limits up to $1 million. Prices are very competitive, beginning at only $25 per horse, subject to minimum premiums. Our standard program does not provide coverage for incidents while the horse is being used or prepared for use in conjunction with a carriage, buggy or similar vehicle. A coverage extension for non-commercial pleasure or competition driving is available by endorsement.

Care Custody & Control – Equine Bailee Coverage

This insurance is essential for equestrian business who board or train horses or who are responsible for other people’s horses while showing or racing them. The policy pays all sums you are legally obligated to pay others for damage to horses in your care, custody or control.

This coverage does not apply to horses you own or lease, which typically are covered by a mortality policy.  Almost all general liability policies exclude coverage for injury or death to any animal in your care, custody or control.

Our CC&C policy will defend and protect you against claims for negligent loss. If you are a trainer, breeder or stable owner you cannot afford to be without this additional protection.

Your policy will cover the injury, theft or death of the horses in your care.  Policy limits are available from $1,000 to $500,000 per animal and from $25,000 to $1,000,000 maximum loss per policy year. In addition to paying for damages to horses, we will defend any suit against you.  We will provide funds for you to purchase bail bonds, we will pay interest on judgments and all costs taxed against you in the suit.  We will also pay expenses you incur at our request to assist us in your defense, including loss of earnings, up to $100 a day. Premiums are based upon the average number of horses in your care or the total number of horses in any one barn, whichever is greater.  The basic policy includes incidental transit of horses which is generally defined as 6 trips of 150 miles or less.  The 150 mile radius restriction can be eliminated for an additional premium.