horse farmOur agency insures horses, owners, trainers/riding instructors, equestrian facilities for profit including special events, and horse shows.

We believe that creative risk management is the key to affordable insurance planning.


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

  • Horse Care Custody & Control Liability Insurance
  • Horse Show Liability Insurance
  • Horse Trainer Liability Insurance
  • Personal Horse Owners Liability Insurance
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
  • Horse Farms including CCC & Equine Mortality
  • Hobby Farms
  • Estate Farms

Equine insurance-horse jumping over fence


Equine Mortality Insurance
Expanded Major Medical Insurance Coverage

Now four policies to choose from!
Available to quote with completed application for the following disciplines:
Hunters, Jumpers, Eventers and Dressage

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.