Equine Insurance Overview: Protecting Your Horses and Investments

Owning and caring for horses is both a passion and a significant investment. Whether you’re a private horse owner, a trainer or manage an equestrian facility, protecting your animals and your business is essential. Equine insurance solutions are designed to address the unique risks faced by the equestrian community, offering coverage tailored to the needs of horse owners and equestrian businesses. Contact M.L. Ruberton Agency for a personalized quote.

What Is Equine Insurance?

Equine insurance is designed to provide financial protection for horse owners and equestrian businesses against a range of risks, such as illness or injury to horses and liability claims. Policies can be customized to cover individual horses, entire stables or commercial operations. This type of insurance can help make sure that unexpected events don’t jeopardize your animals or your livelihood.

Key Coverages for Horse Owners in Hammonton, NJ

Key coverages typically found in equine insurance policies include the following:

• Mortality insurance—Can provide coverage if a horse passes away due to illness, injury or accident. This can help you recoup the financial investment in your animal.
• Major medical and surgical coverage—May assist with veterinary bills for covered illnesses, injuries or surgeries, all of which can be substantial.
• Liability coverage—Can financially protect you if your horse causes injury or property damage to others, a critical safeguard for trainers, boarding facilities and event organizers.
• Loss of use—May provide compensation if a horse can no longer perform its intended function due to a covered incident.
• Care, custody, and control—Can provide legal liability coverage in the event that a non-owned horse is injured, dies or is stolen while in your care. This coverage may be prudent for those who board, train, or transport horses owned by others.

Having adequate insurance in place can help you recover from financial setbacks and continue your operations with confidence.

How Our Team Can Help

At M.L. Ruberton Agency, we work closely with horse owners and equestrian businesses across Hammonton, NJ to assess their unique needs and recommend appropriate coverage options. Contact us today to discuss your equine insurance options.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.