What Does Your Commercial Equine Insurance Give You?

Nightmares or Sweet Dreams
By Christine Hamilton
Compliments of The American Quarter Horse Journal,
May 2004 Edition, Pages 53-57

How long has it been since you evaluated your commercial equine insurance coverage? Having adequate insurance for your horse business is vital, especially in today’s litigious environment. Debi DeTurk has been an agent with AQHA Corporate Partner Markel Insurance Company for 22 years, specializing in the types of insurance professional horsemen need to protect their businesses.

“You have to ask yourself, ‘I’m buying insurance, theoretically, to give myself a good night’s sleep. So, how much insurance is going to give me a good night’s sleep?’ she said.

“Are your only assets an old truck and a sweet dog?” she continued. “Or would a lawyer for an injured party perceive you as a deep pocket? Those are the kinds of things you have to think about when you’re looking at protecting your business.”

If it’s been awhile since you’ve looked at your commercial coverage, the Journal gathered some information to get you thinking. There’s no time like the present to dig out those policies and make sure they’re giving you sweet dreams, not nightmares.