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:
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
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.
Additional coverages available: Care, custody and control
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.
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.
Please contact a Markel representative for large scheduled policies with deductibles, as well as, additional equine coverages, such as:
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.
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.