Horse Insurance | Equine Insurance Center
Providing Clients throughout Tuscaloosa County, Alabama, Horse Insurance; Equine Mortality, General Liability for Farm & Ranch, Individual Horse Owners, Riding Clubs, Race Horse Owners Liability and Catastrophic Umbrella Coverage.
Over 35 years experience insuring horses and horse-related businesses, we understand the risks and liabilities you’re exposed to. We believe in offering insurance choices and are committed to providing superior customer service. Our goal is to provide you with insurance to protect all of your equestrian investments… your horse, equestrian business, or horse farm. We work with many of the top horse insurance companies across Tuscaloosa County, Alabama, all “A” rated or higher, which allows us to find comprehensive and affordable solutions for your equine insurance needs.
We welcome any and all questions related to insuring your horse or your farm/ranch property in Tuscaloosa County, Alabama! Please explore the website, and if you need any further information please feel to call us: (888) 335-3338. We’re Horse People, Too!
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Mortality Policies: Full Equine Mortality Insurance is available with optional coverages, such as medical & surgical, loss of use or air transport/overseas territory extension.
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Private Horse Owner Liability: Insurance for you as a private horse owner, should your horse injure someone or damage property, both on and off your premises.
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Commercial Equine Operations: Insurance protection designed for almost any type of horse-related business, both on your own premises or rental/leased property.
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Riding Instructor and Horse Trainer: Insurance protection for an individual or businesses providing horse training, riding lessons, and more.
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General Liability – Horse Insurance Tuscaloosa County, Alabama
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These equine coverages from our carriers is very important to you if you perform any commercial equestrian activities such as boarding, instruction, training, breeding, etc. Coverage may be provided if you are sued by a third party who is injured or whose property is damaged. The equine insurance policy issued by our companies can cover defense costs and pays claims for which you are legally liable up to the policy limits.
Equine Personal Liability
In the event your horse injures a third party or damages their property, this Policy can provide coverage for defense fees as well as pays claims for which you are legally liable during the policy period.
Equine Professional Liability Coverage
Our companies can provide Equine insurance coverage for claims and defense fees resulting from negligent acts, errors or omissions by the Insured’s professional equestrian activities.
You must complete a general liability application in order to obtain a quote, this coverage cannot be quoted over the phone.
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Individual Horse Owners – Horse Insurance Tuscaloosa County, Alabama
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Horse Owners are faced with unique liability exposures that may not be adequately covered under normal personal liability policies such as a homeowner policy. Our companies have specifically designed an insurance policy to cover the horse owner’s legal liability for both bodily injury and property damage to others resulting from horse ownership. Individual owners of personal or show horses who do not derive income nor are involved commercially are eligible.
Liability coverage, including defense costs, is available with limits up to $1,000,000. Prices are very competitive, beginning at only $40 per horse, subject to minimum premiums.
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Care, Custody & Control – Horse Insurance Tuscaloosa County, Alabama
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Equine Care, Custody or Control insurance is an essential coverage for all horse operations which involve non-owned horses, including boarding, breeding and training. Standard General Liability Insurance excludes coverage for personal property (horses are an example) in your Care, Custody or Control Care. This coverage fills this void by promising to pay all sums you are legally obligated to pay for damage to non-owned horses in your Care, Custody or Control. This coverage does not apply to horses that you own or lease. Mortality Insurance is designed for these needs.
Your policy will cover up to the chosen policy limits for the injury, theft or death of the horses in your Care, Custody or Control. Policy limits are available up to $2,500,000 per horse and $5,000,000 maximum loss per policy year.
Defense costs for lawsuits are also included in this coverage including the cost of bail bonds, interest on judgments against you and expenses you incur at our request to assist in the defense, including loss of earnings, up to $100 per day.
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Riding Clubs Liability – Horse Insurance Tuscaloosa County, Alabama
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Riding clubs and their varied functions pose unique liability exposures, which need specially designed coverage tailored to these needs. Our Riding Club Liability programs have the flexibility to be custom tailored to cover such exposures as premises liability for meetings and fund-raisers, trail rides, boarding, clinics and public events (i.e. shows and parades). The policy can be written on a short-term basis for one-time events or annually.
Coverage is designed to insure the club and its members for sums legally obligated to pay for bodily injury and property damage resulting from club activities. Liability limits are available up to $1 million.
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Race Horse Owners Liability – Horse Insurance Tuscaloosa County, Alabama
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Many people own race horses as an investment or simply as an enjoyable hobby. The forms of ownership are many — including but not limited to individuals, partnerships, corporations, etc. These owners face unique liability exposures for injury or damage resulting from the ownership of these horses. As a business exposure, this liability is normally excluded under any personal homeowner insurance the owner may have.
Our insurance companies that deal with race horses have recognized this need and in response to that need our insurance companies provide a Race Horse Owners Insurance Policy (RHO) for racing stock owners that are not directly involved in breeding, training or racing, but contract with independent contractors. Certificates of Insurance should always be obtained from these independent contractors.
Should a person be injured or property damaged as a result of your horse racing activities, our insurance companies will, subject to policy exclusions, defend you in court and pay claims for which you are legally liable. Policy limits are available up to $1,000,000.
- Abernant, AL
- Academy Drive, AL
- Alberta City, AL
- Alberta Heights, AL
- Alpine Hills, AL
- Alta Vista, AL
- Altamont, AL
- Appling Bend, AL
- Arcadia, AL
- Arlington Drive, AL
- Arlington Mobile Home Park Historical, AL
- Arnedra Subdivision, AL
- Arrow Wood, AL
- Asbury, AL
- Audubon Place, AL
- Austin Subdivision, AL
- Banks Villa East, AL
- Bar Wayne Circle, AL
- Batchelor Subdivision, AL
- Beacon Point, AL
- Beech Hills, AL
- Bel Air Estates, AL
- Bellview Heights, AL
- Bellwood, AL
- Berkley Hills, AL
- Berkshire Estates, AL
- Beverley Heights, AL
- Binion Heights, AL
- Birdway Drive, AL
- Biscayne Hills, AL
- Booth Estates, AL
- Box Springs, AL
- Brentwood, AL
- Briarcliff, AL
- Briarwood, AL
- Bridgeview, AL
- Broadview, AL
- Brookhaven, AL
- Brookmeade, AL
- Brooksdale, AL
- Brookside, AL
- Brookwood, AL
- Brownville, AL
- Buckhead, AL
- Bucksville, AL
- Buena Vista, AL
- Buhl, AL
- Bull City, AL
- Burchfield, AL
- Burks Garden, AL
- Burnt Pine, AL
- Cadillac Estates, AL
- Caffee Junction, AL
- Camellia Park, AL
- Camile Terrace, AL
- Candlelight Terrace, AL
- Candlewood, AL
- Canyon Lakes, AL
- Capstone Court, AL
- Carolwood, AL
- Carolwood Estates, AL
- Carriage Lane, AL
- Carter Subdivision, AL
- Cedar Cove, AL
- Cedar Crest, AL
- Cedar Knoll, AL
- Chambers, AL
- Chamblee, AL
- Chapelwood, AL
- Cherokee Hills, AL
- Cherokee Shores, AL
- Cherry Dale, AL
- Cherrywood, AL
- Chestnut Hill, AL
- Chewalla, AL
- Circlewood, AL
- Claymont, AL
- Clearview Hills, AL
- Clearwater Estates, AL
- Cloester Valley, AL
- Cloverdale, AL
- Cloverdale Estates, AL
- Clyde Jones Subdivision, AL
- Coaling, AL
- Coker, AL
- Coker Heights, AL
- College Hills, AL
- Colonial Hills, AL
- Colony Hills, AL
- Confederate Hill Estates, AL
- Cottondale, AL
- Cottonwood Park, AL
- Country Club Gables, AL
- Country Club Hills, AL
- Cove Park, AL
- Coventry, AL
- Covey Chase, AL
- Cresent Heights, AL
- Crestdale, AL
- Crestmont, AL
- Crestview, AL
- Crestwood, AL
- Cumberland Park, AL
- Dearing Place, AL
- Deep Wood, AL
- Deerfield, AL
- Demarest, AL
- Deven Dale, AL
- Dixon Manor, AL
- Docray, AL
- Dowdle, AL
- Driftwood Estates, AL
- Druid Hills, AL
- Dudley, AL
- Dunbrook, AL
- Duncanville, AL
- Durrett Grove, AL
- Dutton Place, AL
- East Arlington, AL
- East Brookwood, AL
- East Circle, AL
- East End, AL
- East Lake, AL
- East Park, AL
- Eastern Hills, AL
- Eastover, AL
- Eastwood Villa, AL
- Echo Hill, AL
- Echola, AL
- Edwardian Place, AL
- El Dorado East, AL
- Elm Ridge, AL
- Elrod, AL
- Englewood, AL
- Fairlawn, AL
- Fairway Drive, AL
- Fernridge, AL
- Fernwood, AL
- Fitts Heights, AL
- Flatwoods, AL
- Fleetwood, AL
- Forest Green, AL
- Forest Green Park, AL
- Forest Hills, AL
- Forest Lake, AL
- Forest Manor, AL
- Forestasia, AL
- Fosters, AL
- Four Winds, AL
- Fox Run, AL
- Gardendale, AL
- Georgena Terrace, AL
- Glendale Gardens, AL
- Glenwood Park, AL
- Golden Acres, AL
- Gorgas, AL
- Graceland Acres, AL
- Green Grove, AL
- Green Hills, AL
- Green Valley, AL
- Greenbriar, AL
- Greenview, AL
- Grimes, AL
- Guilds Woods, AL
- Hagler, AL
- Hagler Mill Estates, AL
- Hamner Estates, AL
- Happy Acres, AL
- Harper Subdivision, AL
- Harperwood, AL
- Hays Court, AL
- Hazelhurst, AL
- Heritage Hills, AL
- Hickory Forest, AL
- High Cliff, AL
- High Forest, AL
- High Point, AL
- Hightown, AL
- Highview, AL
- Hillcrest, AL
- Hillsdale, AL
- Hillswood, AL
- Hillview, AL
- Holiday Shores, AL
- Hollywood Park, AL
- Holman, AL
- Holt, AL
- Howton, AL
- Howton Subdivision, AL
- Hull, AL
- Huntington Place, AL
- Huntland, AL
- Hurricane Hills, AL
- Idlewood, AL
- Indian Hills, AL
- Indian Lake, AL
- Ingleside Village, AL
- Jerusalem Heights, AL
- Juanita Drive, AL
- Judson Park, AL
- Keenewood, AL
- Kellerman, AL
- Kennedy Park, AL
- Kicker Subdivision, AL
- Kimbrell, AL
- Kings Acres, AL
- Klondike, AL
- Kyles Subdivision, AL
- La Vera, AL
- Lake Cove, AL
- Lake Forest, AL
- Lake Front Village, AL
- Lake Hills North, AL
- Lake Robinwood Subdivision, AL
- Lake Shore, AL
- Lake View, AL
- Lakeland Forest, AL
- Lakeridge, AL
- Lakeview, AL
- Lakeview Estates, AL
- Lakeview Manor, AL
- Lakewood, AL
- Laurel Hills, AL
- Lavelle Woods, AL
- Lavender Acres, AL
- Lexington Downs, AL
- Lincoln Park, AL
- Lisenba Subdivision, AL
- Little Sandy, AL
- Livingston Subdivision, AL
- Loganwood, AL
- Lurleen Estates, AL
- Lynn Haven, AL
- Lynwood Park, AL
- Manora Estates, AL
- Mariners Cove, AL
- Maxwell, AL
- Mayfair, AL
- McKenzie Courts, AL
- Meadow Lawn, AL
- Meadowbrook, AL
- Million Dollar Lake Estates, AL
- Mimosa Highlands, AL
- Mimosa Manor, AL
- Monte Vista, AL
- Monterey Drive, AL
- Montgomery Lakes, AL
- Monticello Estates, AL
- Monticello Two, AL
- Moores Bridge, AL
- Morayshire Estates, AL
- Mount Olive, AL
- Mountainbrook, AL
- New Lexington, AL
- Nichol Hills, AL
- Norris Circle, AL
- Norris Estates, AL
- North Alabama Junction, AL
- North Haven, AL
- North River Country Club Estates, AL
- North River Shores, AL
- North Riviera, AL
- North Valley Acres, AL
- Northcliff, AL
- Northcrest, AL
- Northport, AL
- Northwood Forest, AL
- Northwood Lake, AL
- Oak Grove, AL
- Oak Ridge, AL
- Oakdale, AL
- Old Mill Trace, AL
- Oliver Heights, AL
- Oxford Gate, AL
- Parkside, AL
- Parkview, AL
- Parkwood, AL
- Pattersontown, AL
- Patton Place, AL
- Peach Grove, AL
- Pearson, AL
- Pearson Subdivision, AL
- Peterson, AL
- Pine Circle, AL
- Pine Hills, AL
- Pine Park, AL
- Pinedale, AL
- Pinehurst, AL
- Poes Acres, AL
- Princeton Heights, AL
- Princeton Place, AL
- Raintree Country, AL
- Ralph, AL
- Reston Place, AL
- Rickey, AL
- Ridgeland, AL
- Riverchase, AL
- Riverdale, AL
- Rivermont, AL
- Riverside Circle, AL
- Riverview, AL
- Riverwood, AL
- Rollingwood, AL
- Romulus, AL
- Romulus Acres, AL
- Rosedale, AL
- Rosedale Courts, AL
- Roselawn, AL
- Rosewood, AL
- Royal Pines, AL
- Running Brook, AL
- Sahama Village, AL
- Samantha, AL
- Sandtown, AL
- Saratoga Estates, AL
- Sartains Ridgecrest Subdivision, AL
- Searcy Farms, AL
- Searles, AL
- Shadowood, AL
- Sherwood, AL
- Sherwood Forest, AL
- Shirley, AL
- Simpson Subdivision, AL
- Skelton Bend Estates, AL
- Sky Ranch, AL
- Skyland Manor, AL
- Skyland Park, AL
- Smith Acres, AL
- Smoke Rise, AL
- Snow Terrace, AL
- Sommerville, AL
- South Holt, AL
- South Holt Highlands, AL
- South Park, AL
- Southwood, AL
- Spring Brook, AL
- Springhill Lake, AL
- Standridge, AL
- Stokes, AL
- Stonehedge, AL
- Stonehedge Cliffs, AL
- Summerfield, AL
- Sutton Place, AL
- Sycamore, AL
- Sylvan, AL
- Tannehill, AL
- Taylor Circle, AL
- Taylorville, AL
- Taylorville Heights, AL
- Taylorwood Estates, AL
- Telmar Subdivision, AL
- Terri Wood, AL
- The Downs, AL
- The Glens, AL
- The Highlands, AL
- The Staffords, AL
- The Vineyards, AL
- Thorndale, AL
- Three Branches Estates, AL
- Three Forks, AL
- Timberlane, AL
- Tuscaloosa, AL
- Twin Manor, AL
- University Lane, AL
- University Manor, AL
- University Place, AL
- Valley View, AL
- Valliwood, AL
- Vance, AL
- Vestavia East, AL
- Vestavia Hills, AL
- Vista Granda, AL
- Walker Subdivision, AL
- Warrior Heights, AL
- Washington Square, AL
- Wensa Place, AL
- West Circle, AL
- West Haven, AL
- Western Hills, AL
- Western Hills Estates, AL
- Western Plains, AL
- Westhill, AL
- Westland, AL
- Westridge, AL
- Westview, AL
- Whispering Hills, AL
- Whitson, AL
- Wiley, AL
- Willow Point, AL
- Windham Springs, AL
- Windsor Drive, AL
- Wood Estates, AL
- Wood Manor, AL
- Wood Ridge, AL
- Wood Village, AL
- Wood Villas, AL
- Woodland Forest, AL
- Woodland Hills, AL
- Woodland Park, AL
- Woodland Pines, AL
- Woodland Terrace, AL
- Woodmont, AL
- Yacht Club Bay, AL
- Yolande, AL
