Horse Farm and Ranch
Commercial Insurance Murrieta
Most of the property and liability insurance coverages needed by professional horsemen may be included on a Commercial Package Policy.
Under the Property section, you may insure any type of business or personal property, with the exception of livestock mortality insurance. Property for your personal use and enjoyment is written under the dwelling portion of the policy.
Categories of coverage may include a permanent residence, a seasonal dwelling, and additional living expense in the event that the home becomes uninhabitable due to loss caused by a covered peril.
Many high-value items also may be written– for example: jewelry, furs, fine arts, and cameras.
Additional portions of the policy are available to provide coverage for permanent structures which are used in connection with your horse business, such as stables, sheds, garages, employee dwellings, and bullpens.
However, business property is not just buildings; you may also have a sizable investment in business personal property. With a blanket form, this type of business personal property may be covered for a single amount of insurance. The following items can be included: tack equipment, hay and grain, tractors and implements, irrigation pipe and pumps, farm tools and livestock on a named peril or all-risk basis. The maximum amount of recovery is $500 per animal.
The type and number of perils the property can be insured against is flexible in order to meet your individual needs. All Risk coverage, you are insured for any physical loss or damage, with the exception of a limited number of exclusions.
The general Liability section of the policy is capable of protecting you for your legal liability arising from both your personal activities and the operation of your horse business. Coverage is provided for losses which occur away from the premises. Medical Payments coverage is included for individuals injured on your property, regardless of who is responsible for the accident.
SGB offers one of the industry’s broadest and most comprehensive products available to the modern day horse farm owner at a competitive price. Coverage can be custom designed to meet the specific needs of your operation from a small acreage pleasure farm to a multiple location commercial farm.
Following are some of the highlights:
Eligibility: Individuals, partnerships, corporations, limited liability corporation (LLC), owner or tenant operator.
Format: Multi-line policy able to include dwelling, personal property, farm property, farm personal property, liability, auto, care, custody or control, watercraft, and umbrella in one policy. Availability for some coverages may be limited depending upon the state in which you live.
