Farm and Ranch Coverage

Markel is the innovator of horse farm insurance. Ever since Markel brought our first package to market about 50 years ago, we’ve enhanced our products and services to meet your changing needs. Markel offers you more than superlative protection; you can depend on an unmatched record of experience, expertise and commitment that have made us the leading name in equine insurance. When your business is the target of a lawsuit, money isn’t the only thing that’s at stake. Your reputation is on the line, too. Markel insurance professionals have years of experience handling equine liability claims. They’ll ensure that a claim against you is resolved fairly, with consideration for all parties involved. For the personal attention you deserve contact Mary Phelps, a Markel Equine Insurance Specialist - 800-572-3286 - cell/text 859-940-8517 - insurance@horsesdaily.com.

We are available on the scene, on the road, on the net, and in the office to answer your questions, help you with your applications, and be your direct connection to our Markel Underwriters. We work hard at this process so you don't have to. The application process can sometimes be a daunting task, and we are here to make it easy, so you can spend time with your horses and clients.

We Provide Coverage for:

• Personal Dwelling, Farm-Related Buildings (barns, stables, hay sheds, arenas), Farm Personal Property for farm machinery, tack, equipment, hay and feed, Replacement cost available on buildings and household contents.
• On & Off Premises operations, such as boarding, breeding, riding instruction, training, racing and horse shows

Coverage & Limits Highlights:

• Up to $1 million liability limit available
• Personal liability available for owner occupied dwellings
• Choose from Basic, Broad, or Special coverage options for all property
• Various property deductibles available
• Increased Limits available for contents and loss of use based on value of dwelling.
• Liability limits of $300,000 to $1 million
• General Liability Aggregate limits are 3 times the liability per occurrence limit
• Commercial general liability coverage applies on and off premises in the U.S, Canada, and U.S. territories
• Provides Bodily Injury and Property Damage limits
• Fire Legal liability $100,000 (in most states)
• Medical payments $5,000
• Limited professional liability coverage for horse trainers, riding instructors and clinicians
• Personal/Advertising Injury included
• Products/completed operations included
• No liability deductible
• Defense cost paid in excess of policy limit
• ATV/Golf Cart coverage available for equine operations
• Participants coverage for horse shows
• Horse Sales coverage
• 10% liability credit for approved national association memberships

Optional Coverages

• Disruption of Farming (loss of income due to covered cause of loss to a stable or barn)
• Livestock Coverage (named perils up to $2,000 per head)
• Coverage for scheduled jewelry, fine art, guns, sports equipment, etc.
• Animal Collision
• Systems Breakdown
• Sign & Entrance Gate coverage up to $5,000
• Excess & Umbrella Liability (with limits up to $10 million)

Care, Custody & Control Coverage
Owning your own horse is a significant emotional and financial investment. Accepting the responsibility of caring for someone else’s cherished and valuable animal is also no small task. And since standard insurers don’t fully understand the risks you undertake when caring for the horses of others, most general liability policies don’t include this special coverage. That’s why the extra protection of Markel’s optional Care, Custody Control (CCC) coverage is so important. With CCC, you’re covered if an animal in your care is injured, becomes ill or dies, and you are found negligent. This does not apply to horses you own or lease. Mortality insurance is designed for those needs. CCC provides:

1. Defense and court costs for litigation, and payment for judgements up to the aggregate policy amount (per animal limit applies)
2. $10,000 liability limit for non-owned horse equipment
3. No deductible applies
4. Available by endorsement to your General Liability or Farm policy

NOTE: Not all coverages are available in all states. Markel is admitted in all 50 states, and is rated “A” (Excellent) by A.M. Best Company, Inc.

Questions? No problem

For the personal attention you deserve contact Mary Phelps, a Markel Equine Insurance Specialist
800-572-3286
cell/text 859-940-8517
insurance@horsesdaily.com
We are available on the scene, on the road, on the net, and in the office to answer your questions, help you with your applications, and be your direct connection to our Markel Underwriters. We work hard at this process so you don't have to. The application process does not have to be a daunting task. We are here to make it easy, so you can spend time with your horses and clients

This document is intended for general information purposes only, and should not be construed as advice or opinions on any specific facts or circumstances. The content of this document is made available on an “as is” basis, without warranty of any kind. This document can’t be assumed to contain every acceptable safety and compliance procedures or that additional procedures might not be appropriate under the circumstances. Markel does not guarantee that this information is or can be relied on for compliance with any law or regulation, assurance against preventable losses, or freedom from legal liability. This publication is not intended to be legal, underwriting, or any other type of professional advice. Persons requiring advice should consult an independent adviser. Markel does not guarantee any particular outcome and makes no commitment to update any information herein, or remove any items that are no longer accurate or complete. Furthermore, Markel does not assume any liability to any person or organization for loss or damage caused by or resulting from any reliance placed on that content.

*Markel Specialty is a business division of Markel Service, Incorporated, the underwriting manager for the Markel affiliated insurance companies. © 2022 Markel Service, Incorporated. All rights reserved.