Insurance: Not Sexy, But Essential

Dozens of insurance companies understand the horse business and offer insurance tailored for your situation.

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How much would you have to lose if your horse, barn, or equine business suddenly were destroyed

Insurance: It’s not sexy. No one wants to think about it. Heck, I wasn’t all that keen to write about it. But when something happens, aren’t we glad we have it?

Let’s face the ugly truth. In today’s litigious society, insurance is a must. While we routinely insure our houses, cars, lives, and our health, many of us neglect to insure our horses and our horse-related businesses. And that’s false economy, because horses by their very nature ratchet up the risk factors in our daily routines. It just makes sense to purchase protection against the unforeseen.

The good news is where once horses were considered a fringe interest, potentially protected only by a livestock rider on your homeowner’s or tenant’s insurance, today there are dozens of insurance companies that understand the horse business and offer insurance packages specifically tailored for your situation. From the rider who owns and boards a single animal, to the 200-head racing stable, to the outfitter taking tourists on wilderness trail rides, there’s a company that will write a policy to protect you from financial ruin if something goes wrong.

There’s more good news: purchasing insurance is easier than ever in the 21st century. Some agencies even offer quotes online. Simply fill out the form, click "submit" with your mouse, and a quote will be e-mailed to you immediately. Or if you prefer, you can pick up the phone, describe your horse, property, or situation to your insurance agent, and get an answer right away

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Written by:

Karen Briggs is the author of six books, including the recently updated Understanding Equine Nutrition as well as Understanding The Pony, both published by Eclipse Press. She’s written a few thousand articles on subjects ranging from guttural pouch infections to how to compost your manure. She is also a Canadian certified riding coach, an equine nutritionist, and works in media relations for the harness racing industry. She lives with her band of off-the-track Thoroughbreds on a farm near Guelph, Ontario, and dabbles in eventing.

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