Farmowners – Umbrella Insurance

March 30th, 2017

Coverage on your farmowners insurance policy will provide protection if someone is injured on your property. However, coverage is subject to the limits of liability on your policy. If there is serious bodily injury, will your limits be adequate? (more…)


Horse & Farmowners Insurance History

March 23rd, 2017

Great Fire of London, artist unknown

One tends to take the availability of insurance for anything and everything for granted in our modern day world. Perhaps you have a lien on your car or your horse; a mortgage on your farm. If so farmowners insurance and horse insurance becomes a necessity. Bottom line – insurance protection brings peace of mind. (more…)


Farmowners Insurance: Snow & Ice Damage

March 16th, 2017

We don’t usually address snow and ice damage in March, much less just days before spring begins. Considering the blizzard that just hit the northeast and the forecasts predicting winter weather will linger into spring across much of the United States it is still a timely subject. (more…)


Farmowners Insurance: Topic – Replacement Cost

March 9th, 2017

Farmowners insurance is a package policy intended to provide owners with a wide variety of options while providing essential protection for their buildings and liability exposures. This article will concentrate on information relating specifically to the amount of insurance on the residence and address replacement cost vs. market value. (more…)


HORSES 2017 at RUTGERS UNIVERSITY

March 1st, 2017

Plan on attending this “Best of the Best” Conference scheduled March 18-19! Truly phenomenal speakers have been lined up to take part in this one-of-a-kind event. Experts will conduct sessions on veterinary care, dentistry, equine behavior, training, nutrition, pasture management, and more. (more…)


Care, Custody or Control: Horse Trailer Safety

February 23rd, 2017

We have published numerous blogs on disaster preparedness, accident prevention in and around the stable, on maintaining a healthy, safe environment for the horses in your care and for the people who visit your property. In addition, we must not overlook the importance of safety in trailering horses in your care. Insurance for the peril of transporting non-owned horses can be included in the *Care, Custody or Control (CCC) policy endorsement. (more…)


Equine Insurance: Carrier Ratings

February 14th, 2017

When you are seeking equine insurance, an agency’s product knowledge, experience and prompt personal service will no doubt rank at the top of your priorities. This is also where trust enters the equation. (more…)


Equine Insurance – Liability

February 2nd, 2017

Protective Headgear – Helmet Use Saves Lives
From an insurance standpoint, company underwriters may decline an application for commercial equine liability insurance if instructors do not require students under the age of 18 to wear a helmet when riding (or driving) a horse. (more…)


Horse Show Liability Insurance

January 26th, 2017

Horse Show Season!

Many organizations all over the country are now preparing for the 2017 horse show season. You are looking forward to your first competition! For show managers and show committees, it also means paying attention to horse show insurance requirements. (more…)


Farmowners Insurance: Snow/Ice Damage

January 12th, 2017

Most famowners insurance policies cover damage to the home and contents resulting from broken pipes due to freezing. Coverage is provided on what is commonly referred to as an all-risks type of policy. Damage due to ice and snow is also covered. So if there is roof damage due to the weight of snow or if an “ice dam” causes roof leakage, these perils are covered.

Be aware, however, that these perils are usually not covered on your scheduled farm barns, buildings and structures unless you choose to (more…)