Horse Insurance | Equine Insurance Center
Providing Clients throughout Baltimore County, Maryland, 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 Baltimore County, Maryland, 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 Baltimore County, Maryland! 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 Baltimore County, Maryland
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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 Baltimore County, Maryland
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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 Baltimore County, Maryland
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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 Baltimore County, Maryland
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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 Baltimore County, Maryland
Package
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.
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- Springhill Farms, MD
- Springlake, MD
- Stab, MD
- Stablers Manor, MD
- Stablersville, MD
- Stanbrook, MD
- Stansbury Estates, MD
- Steeplechase, MD
- Stemmers Run, MD
- Stevenson, MD
- Stevenswood, MD
- Stockton, MD
- Stockton Woods, MD
- Stoddard, MD
- Stoneleigh, MD
- Stoneybrook North, MD
- Stratford, MD
- Stringtown, MD
- Sturbridge, MD
- Suburbia, MD
- Sudbrook Park, MD
- Sue Creek Landing, MD
- Sugarvale Estates, MD
- Summer Hill, MD
- Summerfield Farms, MD
- Summerfield Historical, MD
- Summit Chase, MD
- Summit Park, MD
- Sunnybrook, MD
- Sunnybrook Farms, MD
- Sunset Knoll, MD
- Sunset View, MD
- Swan Point, MD
- Sweet Air, MD
- Sweet Air Manor, MD
- Sylvania Mobile Home Park, MD
- Talbotts Choice, MD
- Tarton Hill, MD
- Television Hill, MD
- Ten Hills, MD
- Texas, MD
- The Beechs, MD
- The Chase at Foxridge, MD
- The Cloisters at Charles, MD
- The Colony, MD
- The Falls, MD
- The Fields of Four Corners, MD
- The Highlands of Hunt Valley, MD
- The Hill Farm, MD
- The Lakes, MD
- The Manors, MD
- The Meadows, MD
- The Oaks at Five Farms, MD
- The Pines at Deep Run, MD
- The Terraces, MD
- The Village, MD
- The Willows of Ruxton, MD
- Thistle, MD
- Thompson Estates, MD
- Thornleigh, MD
- Timber Chase, MD
- Timber Grove, MD
- Timber Point, MD
- Timberline Park, MD
- Timonium, MD
- Timonium Heights, MD
- Tobin, MD
- Tollgate, MD
- Town and Country North, MD
- Towson, MD
- Towson Estates, MD
- Towson Park, MD
- Tree Top Station, MD
- Tremper Farm, MD
- Trenton, MD
- Trenton Mill, MD
- Troyer, MD
- Trump, MD
- Tufton Farms, MD
- Tufton Ridge Estates, MD
- Turkey Point, MD
- Turner, MD
- Twelve Trees, MD
- Twinridge, MD
- Tyler, MD
- Upper Falls, MD
- Upperco, MD
- Urbanwood, MD
- Valewood at Hampton Gardens, MD
- Valley Brook, MD
- Valley Crest, MD
- Valley Heights, MD
- Valley Hills, MD
- Valley Mill, MD
- Valley Mill Farms, MD
- Valley North, MD
- Valley Stream, MD
- Valley View, MD
- Valleywood, MD
- Van Dyke Manor, MD
- Vance Valley, MD
- Velvet Hills, MD
- Velvet Hills South, MD
- Velvet Ridge, MD
- Velvet Valley, MD
- Vernon, MD
- Verona, MD
- Victory Villa, MD
- Victory Villa Gardens, MD
- Villa Cresta, MD
- Villa Nova, MD
- Village of Cross Keys, MD
- Village of Painters Mill, MD
- Village of Pawner, MD
- Village of Silver Hall, MD
- Village of Timber Grove, MD
- Village of Vanderway, MD
- Violetville, MD
- Wakefield, MD
- Walbrook, MD
- Walden Circle, MD
- Walker, MD
- Walker Manor, MD
- Walkers Run, MD
- Walnut Hills Estates, MD
- Walnut Springs, MD
- Waltherson, MD
- Wampler Village, MD
- Warren, MD
- Water View, MD
- Waterford Place, MD
- Waterspout, MD
- Waverly, MD
- Wellington Valley, MD
- Wellwood, MD
- Wesley Woods, MD
- West Arlington, MD
- West Baltimore, MD
- West Edmondale, MD
- West Forest Park, MD
- West Glen, MD
- West Hills, MD
- West Liberty, MD
- West Twin River, MD
- Westbury, MD
- Westchester, MD
- Westerlee, MD
- Western Run, MD
- Westowne, MD
- Westport, MD
- Westview Park, MD
- Westwind, MD
- Wetherbee, MD
- Wetheredsville, MD
- Weyburn Park, MD
- Whippoorwill Trailer Park, MD
- Whispering Meadows, MD
- White Hall, MD
- White Marsh, MD
- White Marsh Station, MD
- Whitehouse, MD
- Whitemarsh Estates, MD
- Wildwood Beach, MD
- Wildwoods, MD
- Wilhelm Park, MD
- Williams Estates, MD
- Williamsburg, MD
- Willow Glen, MD
- Wilson Point, MD
- Wiltondale, MD
- Winands Valley Estates, MD
- Winans Historical, MD
- Windemere, MD
- Windsor Hills, MD
- Windsor Mill, MD
- Windsor Mill Manor, MD
- Windsor Terrace, MD
- Windtree Valley, MD
- Windwood, MD
- Winsten Estates, MD
- Wiseburg, MD
- Woodberry, MD
- Woodbridge Valley, MD
- Woodbrook, MD
- Woodcroft, MD
- Wooddale Farms, MD
- Woodensburg, MD
- Woodglen Farms, MD
- Woodhome Heights, MD
- Woodlands, MD
- Woodlawn, MD
- Woodleaf, MD
- Woodmont, MD
- Woodmoor, MD
- Woods at Bay Country, MD
- Woodward, MD
- Woodward Square, MD
- Worthington, MD
- Worthington Club Estates, MD
- Worthington Glen, MD
- Worthington Greens, MD
- Worthington Manor, MD
- Worthington Meadows, MD
- Worthington Park, MD
- Worthington Place South, MD
- Worthington Ridge, MD
- Worthington Run, MD
- Wynnewood, MD
- Yeoho, MD
- York Ridge, MD
- Yorkleigh, MD
- Yorktown, MD
