Agribusiness Insurance

> Endorsements

Horse Owners Insurance

Special Coverages for Horse Owners:

• Up to $10,000 for damage or loss to tack and equipment
• $1,500 for spoilage of animal health products
• $3,000 for replacement of signs
• $3,000 for fences, corrals and pens

• Liability coverage for stable owners' operations

• Covers livestock which are in your care, custody and control

• Including accident, injury, sickness, and disease

Standard Coverages:

• Dwellings and structures attached to covered dwellings
• Trees, shrubs, plants and lawns within 250 feet of a covered dwelling for up to $2,000

• Replacement cost on dwelling (including ordinance and law option)
• Inflation guard for dwelling and structures.

• Unattached garages and appurtenant to the dwelling

• Furniture and household contents
• Increased limits for personal articles and valuables available to meet your needs

• Basic and comprehensive liability coverage for bodily injury and property damage to others
• Liability for personal and advertising injury
• Product liability
• Fire legal liability for $50,000

• Pollutant cleanup and debris removal for $10,000 (can be increased)
• Fire Department service charge with no sublimit
• Damage to property removed for safekeeping to avoid further damage by a covered cause of loss (for 30 days and up to $100,000)
• Removal of fallen trees near your residence up to $2,000

• Coverage for necessary increases in living expense if covered cause of loss renders your home uninhabitable

• Theft of miscellaneous tack and equipment on or away from insured premises

• Hay and feed in the open for certain causes of loss
• Cost of restoring operations records

• Buildings, barns, stables and structures other than dwellings
• Fences, corrals, pens
• Newly constructed structures automatically covered for $250,000 for 60 days
• Private power and light poles
• Outdoor radio and TV equipment, antennas and towers
• Portable buildings and portable structures
• Improvements and betterments
• Building material and supplies kept on or adjacent to the “insured location”

• Disruption of operations
• Higher limits for transportation coverage when there is a need
• Extra expense you incur to resume normal operations interrupted due to a covered cause of loss
• Computer coverage endorsement
• Enhanced pollutant cleanup endorsement (increased limits ranging from $25,000 to $100,000) coverage applies on or away from insured premises if the discharge is caused by collision, upset or overturn of a vehicle or its trailer
• Business income coverage
• Watercraft hull coverage
• Sump overflow and water backup from sewers and drains

Equine Insurance

Including: Mortality Coverage

Protecting Your Investment:

• Mortality: Including accident, injury, sickness and disease
• Theft: Included at no charge with Mortality coverage
• Agreed Value: Amends loss settlement to full amount the animal is insured for at the time of loss
• Surgical: Covers fees for specified surgical procedures
• Major Medical: Covers medical treatment for accident or illness
• Loss of Use: Covers 60 percent of insured value if animal becomes permanently incapable of fulfilling its intended use
• Barrenness: Mare in foal coverage
• Prospective Foal: Covers the unborn foal
• Infertility: Should the stallion become unsuitable for breeding
• Transit: Coverage for accidental injury while onboard or being loaded or unloaded from any aircraft or land transport vehicle in transit

We also offer:

• Farm Property and Liability
• Farm Automobile
• Inland Marine: Covers mobile agricultural equipment, livestock coverage, accounts receivable, valuable papers
• Crime: Covers acts of employee dishonesty, theft, disappearance and destruction, credit card forgery and counterfeiting
• Excess Liability: Additional liability limits to protect your assets
• Stable Liability: Liability coverage for stable owners' operations
• Care, Custody and Control: Covers livestock which are in your care, custody and control