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Skip Navigation LinksAll Horse Topics > Business/ Financial/ Legal > Insurance


Articles ( * = TheHorse.com members only )Date Posted
Markel Acquires Agri-Risk Services Inc.   *
According to NU Online News Service, Markel Insurance Company has announced the acquisition of Agri-Risk Services Inc., an equine retail specialty agency in Overland Park, Kan. The announcement noted that financial terms were not disclosed. Markel is a subsidiary of Markel Corp. in Glen Ellen, Va., that underwrites commercial lines coverage for a ... Read full story
 10/13/2009
Planning for the Worst While You're Away   *
Take the steps to provide the best treatment possible for your horse and your situation, and decrease the stress on yourself and the veterinary team in the event of an equine emergency. Please turn on your imagination for a moment and put yourself in the following scenario: You're returning home from a relaxing vacation. Your plane lands, you power ... Read full story
 6/14/2009
Horse and Farm Insurance  *
Choose a knowledgeable insurance agent with a reputable company that understands horses and the horse industry. Everyone is feeling the effects of the struggling economy, and many of us are trying to trim expenses. One place you might look to trim--or cut entirely--is insurance. It is one of those complicated, often misunderstood topics that most ... Read full story
 5/1/2009
AAEP 2008: Performance Horse Forum   *
In a year that saw increased public scrutiny of equine welfare and medication issues both on the track and in the competition field, veterinarians at the 2008 Annual Convention of the American Association of Equine Practitioners (AAEP) in San Diego, Calif., gathered in a forum to discuss these and other performance horse issues. Forum leaders Stephen ... Read full story
 4/8/2009
Alabama Woman Charged in Horse Insurance Fraud Case  *
An Alabama woman who claimed her Belgian Warmblood cross mare died in a barn fire now faces insurance fraud charges in connection with the horse's death. Flomaton, Ala., Police Chief Mike Lambert said Brenda Gradia, 41, is accused of shooting the mare then setting her barn ablaze in an attempt to collect a $100,000 insurance claim for the horse and ... Read full story
 6/18/2008
Excerpt from The Complete Equine Legal & Business Handbook: Records  *
The paperwork requirements for starting a business vary from almost none (a sole proprietorship) to extensive (a corporation). And once the business is up and running, the owner or owners must maintain a variety of records. Record keeping can be a lot of work even for a simple business, and it may be tempting to let the task slide in favor of more ... Read full story
 6/2/2008
Horse Owner Liability on Trial in Britain   *
The legal responsibilities of being a racehorse owner in Britain have come to the fore in the wake of a multi-million dollar legal claim against the owners and trainer of a horse that severely injured an assistant trainer in a pre-race paddock incident at Wolverhampton Racecourse, England, in April 2005. The case is due to reach court later this ... Read full story
 3/3/2008
Insurance: Not Sexy, But Essential  *
How much would you have to lose if your horse, barn, or equine business suddenly were destroyed? Insurance: It's not sexy. No one wants to think about it. Heck, I wasn't all that keen to write about it. But when something happens, aren't we glad we have it? Let's face the ugly truth. In today's litigious society, insurance is a must. While ... Read full story
 1/1/2008
Excerpt from The Complete Equine Legal & Business Handbook: Liability   *
The Complete Equine Legal & Business Handbook This comprehensive handbook covers areas of possible conflict for all horse owners and equine businesses, no matter the size, breed, or discipline. Topics covered include: Legal status of animals as property Insurance and liability Types of business ownership Dispute resolution Estate ... Read full story
 11/12/2007
Readers Respond: Preparing for the Worst  *
More than 1,300 readers of TheHorse.com responded to a poll asking, "Do you buy insurance for your horse(s)?" Results were as follows: No: 614 Yes, major medical/loss-of-use: 248 Yes, mortality only: 163 I plan to in the future: 151 Yes, liability and/or specialty: 134 Many readers commented about restrictions encountered ... Read full story
 11/5/2007
Paperwork for When You're Not There  *
Horse paperwork--it's not what you're thinking. This is not about your horse standing in front of a schematic drawing making a checklist of plans on how to break into the grain room in the middle of the night. This is about those issues that require communication between caretakers of your horse(s) in order to avoid mayhem. Having been in this business ... Read full story
 3/1/2007
Insured Geldings, Mares At Greater Risk of Death Than Stallions  *
Swedish researchers examining the five-year survival rates of insured Warmbloods found that geldings and mares have a greater mortality risk than stallions. They also found that horses with a history of "costly veterinary events" were at a greater risk for death than horses without such a history. Researchers at the Swedish University of Agricultural ... Read full story
 11/9/2006
Preparing for the Worst  *
Horses are delicate creatures. Despite their size and strength, they can be afflicted by a host of ailments. Their use in equestrian sports, their curious nature, and their boisterous social interactions can easily put them in injury-causing situations. As valuable animals, they can attract thieves. Given these risks, more horse owners are choosing ... Read full story
 11/1/2006
Owners of Horses Lost in Michigan Arson Learn Insurance was Inadequate   *
Owners of some of the 18 horses killed in a St. Clair County barn fire are finding out that they did not have enough insurance to replace all of what they lost. Farm owner Beverly McCollum owned nine of the horses killed in the Sept. 9 fire in Clyde Township, but only had partial insurance--$4,000 worth for a $25,000 horse-- on one of them. Insuring ... Read full story
 10/3/2006
Gaining a Foothold  *
All horses benefit when veterinarians, researchers, and farriers meet to share information and learn from each others' experiences. One of these notable meetings is the annual Bluegrass Laminitis Symposium, hosted in Louisville, Ky., by Ric Redden, DVM, and his wife Nancy, of the International Equine Podiatry Center in Versailles, Ky. The Symposium ... Read full story
 8/1/2004
Out of Work; Out of Money   *
The world of insurance as it pertains to equines can be a bit complicated for the average horse owner. Nowhere is this more true than with "loss of use" insurance. At the outset, it doesn't seem all that complicated. If your horse can no longer perform in the discipline stated in the policy, you receive a sum of money that has been established in advance. ... Read full story
 6/1/2004
More Than a War of Words   *
More than a half-century ago, noted science fiction author Isaac Asimov began his acclaimed series of Robot novels, examining increasingly complex interactions between humans and robots in a future world. Asimov's underlying premise for the books was that robots had advanced sufficiently to become sentient beings. Questions raised by this development ... Read full story
 5/1/2004
Insuring Good Health  *
In today's world, there are many types of insurance that can protect us and our horses in the event of the ravages of disease, the pocket-emptying crisis of colic, and the finality of catastrophic injury and euthanasia. Equine insurance today ranges from major medical to mortality to loss of use to fertility. An owner often opts to purchase insurance ... Read full story
 11/1/2003
Insurance Provides Comfort to Horse Owners and Breeders Against West Nile Virus  *
In Canada, Alberta and Ontario horse breeders and owners insured through CBL Oxford Insurance and Canada Brokerlink can feel confident that its horse mortality insurance policies will provide compensation for any horses killed by the West Nile virus (WNV). Canada Brokerlink Inc., one of the largest insurance brokers in Canada, has informed policyholders ... Read full story
 6/3/2003
Lloyd's Continues Support of Equine Disease Quarterly  *
Forewarned is forearmed. That is why Lloyd's of London Underwriters, Brokers, and their Kentucky Agents have made a gift of $40,000 to the University of Kentucky's Department of Veterinary Science for continued support of the Equine Disease Quarterly newsletter. "Horses are our business, and that means the health of horses is also our business," ... Read full story
 4/29/2003
Australian Horse Council Investigating Industry Insurance  *
The Australian Horse Industry Council has received funding to begin a process to help the industry with Public Liability Insurance (PLI). The group is developing a code of practice, implementation guides, risk management regimes, and an accreditation/registration process for a range of horse industry disciplines, including trail riding, horseback riding ... Read full story
 10/9/2002
Protecting Equine Investment   *
Equine insurance is not necessarily about how much the horse is worth, but how much the owner can afford to lose. Many horse owners in Kentucky, Ohio, and other states last year were struck by an unexpected, widespread loss of foals. Related health problems (pericarditis and uveitis) also were in the news, as were unrelated diseases such as West Nile ... Read full story
 3/1/2002
Veterinarian's Role In Equine Insurance  *
Why Insure? Over the last several years, more and more horses are being insured. The purchase of a horse or horses is a significant investment relative to purchase price and ultimate maintenance. For many buyers, the purchase of a horse or horses represents the biggest portion of their total spending ability. Purchasing insurance is obviously a way ... Read full story
 10/15/2001
Horse Council Opposes Federal HIPPA Rules Affecting Riders  *
The American Horse Council submitted comments opposing proposed regulations governing the provisions in the Health Insurance Portability and Accountability Act of 1996 (HIPAA). The regulations were proposed by the Internal Revenue Service, the Pension and Welfare Benefits Administration and the Health Care Financing Administration. HIPAA was passed ... Read full story
 10/12/2001
Stallion Insurance  *
There is virtually no investment in the horse business, short of buying a farm, that equals the investment in a stallion. Whether an individual is buying a horse or several members get together to form a syndicate, the price can run well into the millions for a top prospect. Even at the low end, a stallion prospect costs considerably more than most ... Read full story
 10/11/2001
Mare Fertility Insurance  *
Each year horse breeders, regardless of the breed they nurture, make their biggest financial decisions when they decide on matings. Those decisions involve the allure of the equine business and its greatest trauma. A breeding decision is hopeful--the breeder hopes to make a mating that will result in a superior individual, whether for racing, eventing, ... Read full story
 10/11/2001
Health Insurance for Horses  *
Sometimes all that separates a horse from life-saving treatment vs. euthanasia is economics: If a horse owner doesn't have the money to provide treatment, often the only humane option left is to put the horse down. It's a terrible decision to make, putting a beloved horse down because the funds aren't there to save it. Fortunately, this situation can ... Read full story
 10/4/2001
Planning Health Expenses  *
The number and variety of sophisticated services equine veterinarians can provide for horses have grown greatly through the years. How much of these services you choose for your horses usually depends on how much money you want to spend, and what is available in your area. This is true of preventive care, prepurchase exams, and emergency treatments. ... Read full story
 10/1/2001
Life After Colic Surgery
Q: My horse had successful colic surgery about 3 1/2 years ago. He is now for sale, but as soon as someone hears that he had the surgery, they are no longer interested and ignore all the good points about the horse. Is there any statistical data that shows a correlation between colic surgery and future health? Jerry A: There are several potential ... Read full story
 8/1/2001
Buying or Building a Farm  *
Buying or building a horse farm can be a challenging venture where dreams might or might not become reality, and where budgets dictate compromise. The buyer needs to consider what is more advantageous: To build on empty land, or to buy a pre-existing horse farm. There are many other elements to consider, including location, future growth and how that ... Read full story
 6/1/2001
Riders Health Insurance At Risk  *
Regulations proposed by the Internal Revenue Service, the Pension and Welfare Benefits Administration and the Health Care Financing Administration could affect people who enjoy horseback riding (and other forms of recreation) by permitting health insurers to exclude coverage for injuries resulting from riding and other forms of “dangerous” recreation. ... Read full story
 4/6/2001
Checking Out Equine Insurance
Q: I recently read your article in the February 2001 issue about horse insurance by Les Sellnow. What I would like to know is how to check and find out if the horse insurance you have is with a company with a good reputation. I have had my insurance for eight years, and I have never had to use it. I've been told by several people that when it came ... Read full story
 4/1/2001
Equine Insurance  *
The great day has arrived. You've been patient. You've saved your money. You've looked at dozens of candidates. Now you know this is the horse for you, the one that will take you to the training level at the horse trials or, if another discipline is involved, allow you to move up in your chosen competition. The only problem is that the horse costs ... Read full story
 2/1/2001
Equine-Related Human Injuries  *
Like bicycles, skateboards, and dogs, horses supply fun and risk. Riding bikes or skateboards can lead to falls, and dogs can bite. Handling and riding horses can mean falls, bites, and kicks, but like other leisure pursuits, the pleasures outweigh the pitfalls. Associating with horses requires recognizing the hazards. When humans and horses interact, ... Read full story
 10/1/2000
Will My Horse Survive Colic Surgery?  *
For the record: I've endured the agony of seeing a beloved horse go through not one, but two surgeries -- the first a colic surgery, the second to treat postoperative complications -- and it was hell. If you've been there, you know what I'm talking about. If you haven't, I hope you never will. Fortunately, my horse made a complete recovery and went ... Read full story
 5/1/2000
Limitation of Liability  *
Horses often seem to be accidents waiting to happen, and most horse owners can recount at least one horror story that starts with: "You aren't going to believe this, but..." Less apparent, but equally true, is the realization that horse businesses, by their very nature, also can be "accident prone." Whether horses are your vocation or avocation, it ... Read full story
 8/1/1998
Should You Insure?  *
How much can you afford to lose? That's the crux of any insurance question and it's no exception for those who transport their horses to shows tracks breeding facilities sales barns living history festivals vacation areas parks and so forth. Because transporting a horse exposes the animal to the risks of road accidents and hazards at the destination ... Read full story
 4/1/1998




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