Specializing in Equine & Farm Related Coverages

Talk to an agent today!

OR fill out our an online quote form!

Equine and Farm Insurance Built Around Your Horses

Insuring a horse is not like insuring a car. Value is not fixed by a price list, the animal’s job changes as it develops, health history matters, and the same horse can represent a hobby to one owner and a livelihood to another. That is why we specialise. Equine Insurance, a division of Parker General Insurance, places equine and farm-related coverage and nothing else, and our agents spend their days comparing what different carriers will and will not write for a given horse, discipline and operation.

Whether you own one horse, run a boarding facility, train professionally or operate a working farm, the coverage below can be assembled to match what you actually do.

Our Equine and Farm Coverages

• Equine Mortality — the foundation policy, protecting you financially if your horse dies from natural or accidental causes while in the United States or Canada. Horses can be insured from as early as 24 hours old and generally up to 20 years of age.
• Major Medical, Surgical and Loss of Use — endorsements added to a mortality policy that cover veterinary costs including diagnostics and surgery, and pay a percentage of insured value where a horse can no longer perform its insured use.
• Farm and Ranch (Commercial Package) — property, general liability and vehicle cover for barns, structures, tack, equipment, trailers and the business run from your property.
• Care, Custody & Control — liability protection for non-owned horses boarded, trained or transported by you, an exposure that general liability policies typically exclude.
• Workers’ Compensation and Employers Liability — required in California for every employer, including those with a single part-time employee.

Why Insure Your Horse?

There are many reasons to insure, but financial security is the first of them. If you buy a horse, mortality insurance allows you to replace that horse with one of equal quality should the worst happen. If you started with a young or green horse, you have very likely increased its value through training and show experience — insurance means you can replace the animal at the level you have reached rather than starting over from the beginning.

The second reason is veterinary cost. Major Medical and Surgical coverage takes the financial worry out of colic surgery, hospitalisation or lameness treatment, so that the conversation with your veterinarian is about what is best for the horse rather than what you can afford. And for horse businesses, insurance protects the enterprise itself: one liability claim involving an injured client, an injured employee or a client-owned horse can exceed what a barn is able to absorb.

Why Work With an Equine Insurance Agent

Obtaining the right insurance is genuinely difficult. Most horse owners do not have the time to research carriers, compare what coverage each one offers, and approach them individually. Working with an agent means someone with extensive knowledge of the equine market does that comparison for you and helps you select the carrier and the coverage that best fits your circumstances.

It also means having someone in your corner when something goes wrong. We ask clients to notify us immediately, or within 24 hours at most, when a claim arises — and in a non-emergency it is often worth calling before a potential claim, so we can advise you of any time limitations or exclusions that may apply. Being surprised during a claim is no fun; there is enough to worry about already.

Our Experience

Parker General Insurance began in 1964 as an independent agency in Fresno, California, and has been recognised throughout the industry for its knowledge of the marketplace and its customer service. In 1993 Parker General purchased Equine Insurance, then a small equine agency, and has grown it since through a consistent philosophy: hire knowledgeable, resourceful people and put the customer’s needs first. We have always felt it necessary to align ourselves with the strongest and most competitive insurance companies so that we can offer the best possible pricing and service.

We take pride in giving back to the industry through rider and show sponsorship. As evidence of our reputation, we have been selected by numerous nationwide equestrian organisations, farms, trainers and Olympic Team Members as their sole insurance provider. You can read more about the team who will be handling your policy.

Get a Quote

Whether you are looking to insure your farm, your business, your livestock or your equestrian star, the quickest way to begin is to complete the questionnaire that matches your needs. Request a free quote online and one of our agents will work to find the right coverage at the right price.

Want to understand the detail first? Our frequently asked questions cover how values are set, what happens at claim time, how renewals work and which horses qualify, and forms and links has the applications, veterinary certificate and Statement of Health you will need.