Through Laurel Fowler Insurance
Broker, Inc. it is our goal to give you peace of mind
regarding the health and well being of your horse, we
check the best rates and coverage's for you from the
best rated equine insurance underwriters to offer you
coverage you need at a price that's right.
HORSE - MORTALITY AND MAJOR
MEDICAL
Livestock Mortality is a Life Insurance policy for your
horse, with you as a beneficiary. It is an
“All-Risk” policy, which will cover death from any
cause, subject to certain exclusions which are stated in
the policy, it would also pay you if your horse is
stolen. It would pay the actual value of the horse at the
time of the accident or illness causing its death, not
exceeding the value specified in the schedule.
The number one
question we get is usually regarding the value of your
horse. Your horse can be insured for its
fair market value, or less. Fair market value is
generally considered to be the amount you could expect to receive if you sold your horse today,
with that said, this amount will have to be agreed by
the insurance company underwriter using the
Equine
Value Justification form.
The value usually starts with the price you paid for the
horse and goes from there. With a recent
purchase, the purchase price would be used (and for foals,
two times their stud fee). If you have owned the horse
for some time and it has increased in value, you have
the option to insure for more than the purchase price
(we'll ask for justification - show records, training
costs, breeding records).
Keeping your horse healthy requires good nutrition,
exercise, affection, and good medical care. Medical care
for your horse can get expensive, but
Equine Major Medical or Surgical Insurance can help
defray these costs and can be added to a Mortality
policy. (Mortality coverage can be purchased on
it's own without Medical or Surgical coverage or at a
discount with Medical or Surgical coverage. Medical or
Surgical coverage is an addition added to a Mortality
policy and as such cannot be purchased without
Mortality. (See Valuable Optional Cover Below)
So How
Much Does this all cost......
For a quote on Mortality with Major
Medical for your horse(s), please copy these questions
and email them to me
with the following information.
It’s easy to tailor your insurance program to meet
your specific needs. Choose the coverage's that are right
for you from the following options which can be added
to your Mortality policy for a nominal charge.
Major
Medical Endorsement:
If your horse requires surgical or medical attention as
a result of an accident, injury, sickness or disease,
this endorsement will reimburse you.
Surgical
Expense Option:
This coverage for surgical expenses incurred to save the
life of an uninsured horse if surgery is required as a
result of an accident, injury, or sickness or disease.
Loss of Use
Endorsement:
This coverage protects you from financial loss if your
insured horse can no longer fulfill the function for
which it is used, as stated in the policy.
Liability:
In addition to the Mortality and Medical insurance, you
may also need Liability coverage, See "Private Horse
Owners Liability" Below.
Insurance
Company Application Forms and brochures forMortality, Major
Medical & Surgical
After obtaining the
above quote, you will usually need to complete one of
these applications and the Equine Value Justification
form.
We
can also write coverage for the following:
Accident, Sickness, & Disease (AS&D) Stallion
Infertility
Loss of Use Protection
Foal Insurance
Trip Transit
We are very fortunate to represent many of the finest
companies providing these coverage’s allowing us to
offer very competitive rates on all of our products. For
more details and questions, please contact me.
(Sometimes required by facilities
where you board a horse)
Horse owners
have unique liability exposures that may not be covered
under normal personal liability policies, such as a
homeowner’s policy. We have companies that have
policies to cover liability for both bodily injury and
property damage to others resulting from horse
ownership. Individual owners of personal or show
horses who not derive an income and are not involved in
commercial activities are eligible.
We represent some of the top insurance companies in
North America, allowing us to offer some of the most
economical rates available. Please
email and ask for the current rate on the $500,000.00 or
$1,000,000.00 policy.
Equine Care, Custody, or
Control insurance is an essential coverage for all horse
operations which involve non-owned horses, including
boarding, breeding and training. Standard Equine
Liability Insurance excused coverage for horses in your
Care, Custody or Control.
This coverage fills this void by
promising to pay all sums you are legally obligated to
pay for damage to non-owned horses in your Care, Custody
or Control. This coverage does not apply to horses
that you own or lease. Mortality Insurance is
designed for these needs.
Your
policy w
ould
cover up to the chosen policy limits for the
injury, theft or death of the horses in your Care,
Custody or Control.
Commercial Equine Liability provides
the necessary liability protection for Horse related
operations as listed below. Coverage is offered by
various insurance companies with limits up to $1 Million
per occurrence and $2 Million dollar aggregate.
Higher limits are available upon
request.
Show Training
Race Training
Riding Instruction
Boarding
Breeding
Sales & Clinics
This insurance
is designed to provide coverage if your horse or a
clients horse causes property damage or bodily injury on
or off your premises such as at a show or another
facility (i.e. - instructor or trainer who travels to
clients' facilities)
This coverage is important if you are engaged in
commercial equestrian activities such as boarding,
instruction, training, breeding or buying and selling
horses. Coverage may be extended if you also engage in
these activities off site, (for example - a riding, but
also works out of their own location).
PLEASE NOTE: Legal liability for non owned
(boarded) horses in your care is excluded from the
commercial equine liability policy.
This coverage is available in the form of a separate care,
custody or control policy listed above..
Riding clubs
and their varied functions pose unique liability
exposures, which need specially designed coverage
tailored to these needs. The Riding Club Liability
Program has the flexibility to be custom tailored to
cover such exposures as premises liability for meetings
and fund-raisers, trail rides, boarding, clinics and
public events. (I.e. shows and parades). The
policy can be written on a short-term basis for one-time
events or annually.
Please take into consideration that the Riding Club
Liability Program does NOT protect members from each
other and it DOES NOT pay claims or property damage
happening to a member. Every individual member
MUST carry their own personal liability insurance,
including Medical, Accident, and Disability Insurance.
In some cases, Home Owners Insurance may provide some
protection and each individual should review their
policies to have a better understanding.
Horses
at home, has your hobby or home business grown into more
than you regular homeowner insurance will cover
!!!
The farm/ranch policy offers both
flexibility and broad protection for today’s ranch
owner. Whether you operate your horse farm as
individual, partnership, or a corporation we can offer
the necessary insurance protection that YOU need.
Coverage is available for all of your
different types of farm structures and Tenant Dwellings.
From the dwellings you live in, including your contents,
to your barns and other outbuildings hay barn, garage,
workshop, pipe pens, mare motel, and/or arena. We
can also add other types of property such as jewelry,
furs, art which can be scheduled.
Loss of Use coverage provides payment
for certain losses when your home is damaged and
rendered uninhabitable because of an insured loss.
Scheduled Farm Property coverage
provides protection the farm personal property that you
specifically name. (I.e. Tack, Tractors, Equipment,
ATV’s and/or Golf Carts)
Unscheduled Farm Personal Property
coverage provides specified perils coverage such as hay,
shavings, feed & misc. items usually valued at
$2,000 & under for the farm personal property that
you use in your farming operations.
Hay, Shavings, Feed, & Misc.
Items usually valued at $2,000 & under.
For an additional premium, coverage
for your farm machinery, farm buildings and structures
can include accidental direct physical losses. This
coverage may provide for additional losses such as
partial or total collapse of farm buildings.
Farm Liability provides Liability
Coverage up to the limits in the policy for damages
because of bodily injury or property damage caused by an
occurrence to which this insurance applies
Miscellaneous Farm Property including, entrance gates,
fencing, pumps, well/well houses, signs can be added.
On a separate policy, coverage is
available for personal automobiles, trucks, truck
tractors, horse trailers and trailers used in farming or
related to an agricultural operation. Agri
umbrella liability is available, too, with limits of $1
million to $10 million for excess limits above
underlying insurance for liability and business auto
coverage’s. Higher limits are also available.
*Please note:
This website provides only a simplified description of
coverage’s and is not a statement of contract.
Coverage may not apply in all states. When you
receive your policy please read the complete details on
coverage’s, limits, conditions, exclusions and all
endorsements.
Daren Humphries,
CA Lic# 0G65477
Diana Humphries,
CA Lic# 0H71623
38190
Corte Jurado, Murrieta, CA 92562
Laurel Fowler
Insurance Broker, Inc.
OB57610
Main Office - 877 Noyes Road, Arroyo Grande, CA 93420
Equine Care, Custody, or
Control insurance is an essential coverage for all horse
operations which involve non-owned horses, including
boarding, breeding and training. Standard Equine
Liability Insurance excused coverage for horses in your
Care, Custody or Control. 
Riding clubs
and their varied functions pose unique liability
exposures, which need specially designed coverage
tailored to these needs. The Riding Club Liability
Program has the flexibility to be custom tailored to
cover such exposures as premises liability for meetings
and fund-raisers, trail rides, boarding, clinics and
public events. (I.e. shows and parades). The
policy can be written on a short-term basis for one-time
events or annually.
The farm/ranch policy offers both
flexibility and broad protection for today’s ranch
owner. Whether you operate your horse farm as
individual, partnership, or a corporation we can offer
the necessary insurance protection that YOU need.