I’ve been a 'working woman' in the insurance field since I was 17 (more than 40 years ago). I’ve put three children through school, relying on my skills and knowledge of insurance to make the bills when there wasn't any child support during periods of divorce. I’ve sold insurance while living everywhere from Alaska to California, in a number of different companies and environments, providing customers with great service in everything from auto insurance to commercial insurance. I’ve been a file clerk in my younger years, a licensed insurance agent since 1972, and an office manager in various companies. I’ve trained owner’s sons or buddies, only to report to them the next week. I’ve been the "top dog" of insurance sales for practically every company I’ve worked, mainly because I know my stuff, and I handle everything in a personal, timely, accurate, and - most importantly - an honest manner.
Truck Insurance
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So, your riders would need to have their own medical insurance, or perhaps your homeowner's insurance might cover any accident (then again, some home owner's policies specifically exclude horse related accidents - contact your home owner's insurance agent to be certain, and read your policy carefully).
Understanding Mortality Insurance Mortality insurance for your horse is sort of a "life insurance" policy. It covers death from virtually any accident or sickness, and our equine policies typically include humane destruction by a veterinarian, should that be necessary. Coverage is for the replacement value of the horse should it die or be stolen.
Health Insurance
What about Medical and Surgical Coverage? Additional medical insurance coverage, which increases the colic surgery coverage above that provided in the standard mortality policy, can be added with the optional major medical & surgery insurance. This coverage is ONLY available with purchase of the Equine Mortality Insurance, and sometimes - depending on the age of the horse - it may not be available for at all. For example, companies begin putting restrictions on horses aged 16 and older. At 15, you can obtain full mortality, with the medical & surgical. But at 16, you can only obtain mortality & surgical, without the medical. Then, at 18 and beyond, mortality only - and, the mortality insurance will only cover theft, or death due to certain accidents and acts of God (earthquake, flood, fire, lightning, etc).
Disability Insurance
It does NOT protect club members from each other and it does not pay claims or property damage happening to a club member. Each member must be sure to carry their own personal liability insurance. And, they need to have their own medical, accident, and disability insurance.
So in the past, people have had to take what they could, and pay a fortune for it. By specializing in equine insurance, we've successfully saved customers 20% or more on their annual insurance premiums on medical & mortality for their horses, as well as equine business insurance for boarding, breeding, trainers, horse & riding clubs, & trail or pony ride companies.