Farm Insurance

from Southern Colorado Insurance Center

Farm Insurance

If you own a horse farm, and need to protect your home and buildings, as well as cover your equine liability, our horse farm package provides complete coverage for a horse farm including:

  • 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.

Markel is the innovator of horse farm insurance. And ever since we brought our first package to the market nearly four decades ago, we've enhanced our products and services to meet your changing needs. Coverage highlights

  • Up to $1 million liability limit available  
  • Personal liability available for owner occupied dwellings  
  • Coverage for farm-related buildings such as barns, stables, hay sheds and arenas  
  • Farm personal property coverage for farm machinery, tack, equipment, hay, and seed  
  • Replacement cost coverage available on buildings and household contents  
  • Choose from basic, broad, or special coverage options for all property  
  • Various property deductibles available  
  • Renewal loss free credit 
  • Enhancement coverages available

Commercial equine liability

If you perform any of these activities on rented or owned premises, you need a commercial equine liability policy, even if you have other coverage that protects you for general liability exposures.  This coverage is designed specifically for all types of horse-related businesses, such as: boarding, breeding, racing, training, riding instruction, horse sales, horse shows, clinics, personal/pleasure horses and team roping/penning practices.  We also have coverage for independent horse trainers and riding instructors. 

Coverage highlights 

  • Liability limits of $300,000 to $1million are available for bodily injury and property damage
  • General liability aggregate limits are 3 times the liability per occurrence limit
  • Commercial general liability coverage applies on and off premises in the U.S, Canada, and U.S. territories
  • Fire legal liability up to $100,000 at no charge (in most states)
  • Medical payments up to $5,000
  • Limited professional liability coverage for trainers, riding instructors and clinicians
  • Personal/advertising injury included
  • Products/completed operations included
  • No liability deductible
  • Defense cost paid in excess of policy limit
  • Limited athletic participants coverage included

Additional coverages available: Care, custody and control

  • Defense and court costs for litigation, and payment for judgements up to the aggregate policy amount (per animal limit applies)
  • $10,000 liability limit for non-owned horse equipment
  • Choose from various limits to meet your needs
  • No deductible applies
  • Available by endorsement to your commercial equine liability or horse farm package policies 

Excess or umbrella liability Coverage is an excess limit of general liability over third party liability coverages. We require the primary general liability policy to be written with Markel. The auto and employers liability can be written with outside carriers. Self insured retention of $10,000.

Insurance options

Horse mortality

All risk mortality and theft is a comprehensive policy that reimburses the horse owner for the death, theft and humane destruction of a covered horse. Our policies are agreed value, and we offer full mortality and theft, or specified perils coverage. 

Specified perils coverage (also known as "Named Perils" or "Restricted Perils") covers a horse for death, theft or humane destruction caused by specified perils listed in the policy, including but not limited to fire, lightning, earthquakes, electrocution, drowning, transit risks and attack by wild animals. It is important to note a specified perils policy does not cover your horse for death due to illness or disease.

Coverage highlights

  • 24 hours/7 days a week claims service
  • No vet certificate required for horses valued under $50,000 and with no pre-existing health conditions.
  • Medical/Surgical and surgical only plans
  • Emergency colic surgery expense ($2,500 limit) added at no additional charge with additional buy up options
  • Private horse owner liability coverage can be added for an additional charge
  • 90-day extension clause
  • Guaranteed renewal coverage added at no additional charge
  • Optional coverages for an additional premium (link to:

Please contact a Markel representative for large scheduled policies with deductibles, as well as, additional equine coverages, such as: 

  • Transit
  • Prospective foal
  • Stallion infertility
  • Limited permanent disability 

Mortality insurance forms Email completed forms to mortalityapps [at] markelcorp [dot] com or fax to 804-527-7999.

Racing industry risks Click here to learn more about our insurance options for Thoroughbreds, Standardbreds, and Quarter Horses reared, trained, and bred for racing.

Therapeutic riding

Professional Association of Therapeutic Horsemanship International (PATH Int'l) Markel's insurance program is tailored only for members of the Professional Association of Therapeutic Horsemanship International. Coverage consists of a $1,000,000 per occurrence general liability policy and an excess accident medical policy available in limits of $10,000, $25,000 or $50,000.  Volunteers are included as insureds.  PATH Int'l Centers that purchase their general liability from Markel are also eligible for discounted D&O coverage.