horse farmOur agency insures horses, owners, trainers/riding instructors, hunt clubs, equestrian facilities for profit and non-profit.

We believe that creative risk management is the key to affordable insurance planning.  We provide a fresh look at your particular coverage situation, we often see where a simple change can significantly lower or even eliminate risk and your risk.

It’s important that your horse mortality and medical insurance is provided by an A-rated company with a national presence, strong financial background and established equine expertise our premium.


Homeowner and standard farm-owner insurance policies completely exclude your equine business pursuits.  

  • Equestrian Association Liability Insurance
  • Boarding Stable Liability Insurance
  • Horse Care Custody & Control Liability Insurance
  • Guest Ranch Liability Insurance
  • Horse Show Liability Insurance
  • Horse Trainer Liability Insurance
  • Personal Horse Owners Liability Insurance
  • Hunt Club Liability Insurance
  • Polo Club Liability Insurance
  • Pony Ride Liability Insurance
  • Riding Instructor Liability Insurance
  • Riding Club Liability Insurance
  • Rodeo Event Liability Insurance
  • Therapeutic Riding Liability Insurance
  • Trail Ride Liability Insurance

Horses in their stable

Our equine commercial  liability policy is designed to insure any type of horse-related business including: 

  • Arenas & Stadiums
  • Auctions & Sales
  • Boarding, Breeding  & Training Stables
  • Carriage & Wagon Rides
  • Guest Ranches
  • Equine Assisted Therapy
  • Guided Trail Rides
  • Horse Hauling
  • Horse Shows & Clinics
  • Outfitters & Guided Trail Rides
  • Polo Clubs & Polo Grounds
  • Pony Rides & Petting Zoo
  • Racing Stables
  • Riding Clubs & Associations
  • Riding Instruction
  • Rodeo Events
  • Therapeutic Riding

Insurance Dollar Amount
Occurrence $100,000 – $1,000,000
General Aggregate $200,000 – $2,000,000
Aggregate Products/Operations $200,000 – $2,000,000
Personal Injury /
Advertising Injury
$100,000 –
Medical $5,000
Fire Legal Liability $50,000


  • A+ rated insurance company
  • Full Occurrence Liability Basis
  • Up to $10 million liability limits
  • Commercial liability applies in the U.S., U.S. territories and Canada.
  • Products/Completed Operations coverage
  • Personal Injury & Advertising Liability
  • Trainers Professional Liability Optional
  • $5,000 medical payments included.
  • Employees are named as Additional Insured.
  • Defense cost paid in excess of policy limit
  • Extended coverage for Additional Insured.
  • Independent contractors can be added to policy.
  • Care, Custody & Control Liability option
  • Horse Show & Special Events coverage available
  • Convenient payment options



Individuals, partnerships, corporations, limited-liability corporation (LLC) owner or tenant operator.

A Multi-line policy able to include Dwelling, Outbuildings, Personal Property, Farm Equipment, Farm Personal Property, Farm & Stable Liability, Automobile, Livestock care custody control, Watercraft, and Umbrella in one package. 

$250 to $25,000

Fire Department Service
No limit, no deductible

Preferred Markets 

  • Family Farms and Ranches
  • Large commercial growers and
  • Packers of agricultural products
  • Horse Farms including CCC & Equine Mortality
  • Hobby Farms
  • Estate Farms
  • Vineyards
  • Wholesale nurseries

Equine insurance-horse jumping over fence


Reduced Equine Mortality Insurance Rates &
Expanded Major Medical Insurance Coverage for 2017!

Now four policies to choose from!

Whether you are looking to protect your financial investment or making sure your horse receives the best care in the world, in the event he/she becomes ill or injured Horse Mortality Insurance & Major Medical Insurance is one of the most cost-effective ways to achieve both.
It’s important that your Horse Mortality Insurance & Major Medical Insurance policy is provided by an A-rated company with a national presence, strong financial background and established equine expertise.

Hare, Chase & Heckman has access to the most comprehensive and unique Horse Mortality Insurance – Major Medical Insurance product portfolios available for horse owners, our carrier partner’s coverage can be stacked, making each policy customizable. A horse is a valuable asset whether owned for pleasure or professional use they require investment and care. Protecting your asset may be costly and can involve more than just feeding, housing and medical attention. If the horse causes property damage or injury, the horse owner is responsible and can be held liable for compensation, if the horse however becomes sick or dies, unexpected medical expenses may arise.

All Risk Horse Mortality & TheftMajor Medical & Surgical
This policy is available for foals, yearlings, stallions, mares and geldings of all breeds and types. We have designed this coverage to insure your horse against death from almost any cause. This includes transportation and humane destruction made necessary by an illness or accidental injury anywhere in the continental United States. Our carrier partners Horse Mortality Insurance & Major Medical Insurance is unique in the industry as our Basic Form includes coverage for theft and $3,000 colic surgery including aftercare at no additional cost. Policies automatically include Free Colic Surgery coverage, providing the horse does not have a history of colic problems. The coverage limit is 60% of the insured value with a maximum of $3,000 and no deductible. If you insure your horse for Major Medical Insurance or Surgical as well, you will have access to the maximum limits on both coverage parts. Guaranteed extension and agreed value coverage are also automatically included in full mortality policies. Veterinary exams and certificates are not required for horses under $100,000.This coverage will help you control unforeseen veterinary expenses for events related to the health of your animal. This valuable endorsement covers up to $7,500, $10,000 or $15,000 of reasonable and customary veterinary, medical and surgical care charges necessitated by accident, injury or illness. Humane destruction is covered under the policy but economic destruction is not. If you choose to put your horse down for financial reasons, the policy will not offer coverage for this. Not all policies are created equally. The adage “you get what you pay for” is very true. For example, most policies impose a time limit for how long the insurer will cover a medical problem. This limit varies between companies and can be as short as four weeks. Our insurance carrier policies will cover for the problem for the entire policy period in which it happened. This can be quite important if you are dealing with a serious problem like EPM where the necessary medication and care is both lengthy and costly.

• Diagnostics
• Lameness
• Continuing Care – No policy continuing care time limits.
• Navicular, arthritis, and DJD – Conditions such as navicular, arthritis, and DJD are not automatically excluded.
• Medical extensions – Policy provides for up to 30 days additional coverage after expiration. Some companies have no extension on medical conditions occurring just prior to expiration.
Guaranteed Coverage ExtensionColic Medical & Surgical Coverage
The Full Horse Mortality Insurance & Major Medical Insurance policy also includes Guaranteed Extension coverage. This coverage provides that in the event of a condition occurring and reported during the policy period, horse mortality insurance coverage will automatically continue for up to 12 months from the expiration date for that specific condition.Colic Medical and Surgical Coverage provides an annual limit of the lesser of $3,000 or sixty percent (60%) of the mortality limit of liability, for cost of medical and surgical colic, including aftercare, subject to a $300 deductible.
Full Loss of UseStallion Infertility AS&D
In the event your horse becomes permanently unable to perform its insured use as a result of an accident, illness, injury or disease, this coverage pays up to 50% of the insured value. Full Loss of Use coverage requires the submission of the Full Loss of Use Vet Certificate for coverage consideration. This coverage is available for select uses only. Please call for more information. Coverage provides that in the event your proven stallion becomes permanently incapable of settling mares in foal as a result of accident, sickness or disease, you will be paid up to 100% of the insured value under the mortality policy. Coverage is not available to stallions in their first breeding season.
Loss of Use - External Injury OnlyValuation
If your horse is permanently unable to perform its insured use due to a visible injury caused by external, accidental, and violent means, this coverage pays up to 50% of the insured value. This coverage is available for select uses only. Please call for more information.The value of a horse is usually the paid purchase price. Other factors can also be taken into consideration when determining the insurable value. Transportation costs from point of purchase, sales tax and training expenses are examples of direct costs that can be included in valuation calculations. The
Mortality coverage may be extended to include international transportation to and from other approved countries. Premium for Trip Transit coverage is rated at 0.5% one-way and 1% for round trip and is fully earned. Prior notification of transit must be given.