What Does Your Commercial Equine Insurance Give You?

The Basic Insurance Types

Mortality and/or Major Medical
What it does: Protects the named insured’s investment in a horse, reimbursing the owner for its value in the event of death or theft and covering major medical expenses it incurs.

How it is sold: Major medical is an endorsement on a mortality policy. Mortality coverage and payment depends on the agreed value of the horse, as stated in the policy. Medical coverage has an aggregate limit, along with per occurrence deductibles.