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BUXTON Equine Insurance stands ready to provide you
with your Personalized package of coverages tailored to meet your specific
and unique requirements. Coverages that will assist in individual
liability and equine coverage:
INDIVIDUAL HORSE OWNER'S LIABILITY is protection that the
standard homeowner policy excludes. This coverage is designed for
individuals who own horses and do not derive their primary income
from the equine industry. Coverages provide the insured with the
protection necessary to cover their horse owner's unique legal liabilities
that result from owning horses both on or off their property.
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RACE
HORSE LIABILITY is for the injury or damage caused by the race horse.
Coverage is for the partnerships, corporations, and syndicates which own racing
stock (including; stallions at stud, broodmares, and, yearlings) as long as
they are not directly involved in the breeding, training, or racing.
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EQUINE MORTALITY & THEFT
is a form of Term Life Insurance for your equine, with you as the named
beneficiary. The policy is issued providing the equine is in sound
health upon the inception. It is assumed you, the owner, will provide
the equine with the proper care and attention the equine requires.
Coverage up to $25,000 without a veterinarian check.
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Endorsements available to a
Mortality policy are:
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MAJOR MEDICAL assists in controlling veterinary expenses for
unforeseen events by reimbursing fees for surgery, accident and
illness. Major Medical has a $250 per claim deductible, a $7,500 per
year limit.
·
SURGICAL pays reasonable and customary charges for surgical
treatment required by an accident, injury or illness. It will pay up
to 35% of the surgical fee for hospitalization, x-rays, medication, and lab
tests necessary. Surgical has a $50 per claim deductible, and a
$5,000 per year limit.
·
LOSS OF USE provides up to 75% of the equines insured
value if they become permanently incapable of fulfilling the functions for
which insured and as stated in the policy.
·
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Coverages that
assist professionals with liability and farms is properly covered under:
HORSE OWNER'S GENERAL LIABILITY is the legal liability
protection for the equine professional. It is protection that many of
the standard farm policies typically exclude and/or severely
restrict. Regardless of the equine operations size this protection
will ensure the legal liability protection to the policy's stated limits.
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EQUINE
CARE, CUSTODY AND CONTROL is essential for the individual who boards, trains,
or is responsible for others' horses while showing or racing them.
Coverage includes death, theft, or injury of a horse in your care. It
pays to the limits of the policy all sums the insured is legally obligated
to pay for damages to horses in their care.
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FARM POLICIES which are tailored to meet the commercial
equine farm operations specific and unique equine needs. Coverages
include:
·
Property - the dwellings you live in, your personal property, the
farm barns and outbuildings, the farm equipment, and the farm personal
property.
·
Liability - for the farms breeding, boarding, training, showing,
riding instruction, and the farm owner's personal equine.
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EXCESS OR FOLLOWING LIABILITY assists in protection against
catastrophic loses. This coverage continues to pay for damages you
are legally required to pay above the insured underlying coverages, up to
the limits of the policy purchased. This policy does NOT replace any
other liability coverage.
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RIDING CLUBS and their functions create their own unique liability
exposures, which need specially designed coverages this policy has the
flexibility to be tailored for your organization. Covers exposures
such as premise liability for meetings and fund-raisers, trail rides,
boarding, clinics and public events (i.e., shows and parades). Can be
written on short-term basis for one-time events or annually. Coverage
is designed to insure the club and it's members for sums legally obligated
to pay for bodily injury and physical damage resulting from club
activities.
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