- Full Mortality
Full Mortality is also known as "all risk" coverage. It covers
death due to any cause not specifically excluded by the policy. Additional
coverages such as major medical, surgical and loss of use may be added to a
full mortality policy. Animals covered by a full mortality policy must meet
certain age and health criteria in order to be eligible for coverage.
The premium for this type of coverage is based on age and type of use and is
figured on a percentage of the insured value. The insured value is the value
that you would like to insure your horse - most people insure their animal
for the purchase price. Depending on cost factors, the premium can be
reduced if the owner chooses to insure for a lesser amount of the purchase
price. Please note, that you cannot insure over the purchase price without
proper justification i.e.: training cost and show records. The insurance
company does have the right to set the limits on the insured value when
insuring over the purchase price.
If the animal is insured for less than $50,000 a vet certificate is NOT
needed. A Statement of Health Form must be completed and accompanied with
the Mortality application and can be completed by the owner. If the animal
is insured over $50,000 a Vet Certificate must be completed and signed by a
Mortality Insurance Application
Veterinary Certificate of Examination for
Mortality Coverage Application
Statement of Health Application
- Major Medical
- Personal Liability
Whether your involvement with horses is private or commercial, your horse
insurance needs likely fall outside the scope of your homeowners policy.
Finding the right type of coverage for what you do should not be difficult.
Equi–Nes Insurance offers a broad range of liability insurance products to
cover most standard equestrian risks.
Equine Commercial General
- Horse Show
Our horse show liability coverage can be designed to cover anything
from the basic one day barn show to a fully rated show. You have your choice
of different liability and deductible options and we included set up and
tear down days. Additional named insureds can be added for minimal costs
i.e.: horseshow board of directors.
Horse Show & Competition
- Equine Ranch and Estate
Our horse farm insurance program offers complete property and
liability packages for most equine properties. Whether you own a small
pleasure horse farm, an affluent equestrian estate or commercial equestrian
operation, we can design a horse farm insurance program that will suit your
needs. Designed by underwriters who deal solely with equine related risks,
our Ranch and Estate program is the only horse farm insurance package in
existence that was designed exclusively for the equestrian marketplace.
- Health and Life Insurance
Our agency represents all of the major health insurance providers. This
allows you access to many insurance companies without the hassle of meeting with
several different representatives. We specialize in providing health and life
insurance to individuals as well as small businesses. This coverage is rated on
an individual basis. If interested in obtaining coverage please contact us