Horsemanship and insurance, tradition matters. - Mountaineer Insurance Services

June 30, 2021

In both horsemanship and insurance, tradition matters.

State Auto understands the importance of tradition – for us, it means 100 years in business protecting people’s homes and livelihoods, with a long history of experience serving farm and ranch owners. Whether your clients are upholding timeless equestrian traditions or blazing new trails with horse ownership, we know how to provide the best coverage and service for your equine customers.

Equine coverage highlights

Coverage for Equine activities throughout our Farm & Ranch products:

Owned Tack can be covered for basic perils as Farm Personal Property.

Care, Custody, or Control applies coverage for non-owned horses that our insured is caring for (think: boarding/breeding operations), with set limits per head and for the annual aggregate.

Property Coverage for Horses including but not limited to fire, lightning, theft, collision, electrocution, attacks by dogs and wild animals, accidental shooting, loading/unloading accidents, drowning, and flood. This is not a mortality policy (we do not offer mortality).

Farm Personal Liability limits available up to $2,000,000 per occurrence and $4,000,000 aggregate.

ATVs & UTVs can be covered by our Recreational Vehicles endorsement.

Loss of Farm Income is a critical coverage for many equine business activities such as a boarding facility.

Extra Security package adds coverages needed to protect your client’s home and belongings. Learn more

Farm Auto to insure livestock trailers, horse trailers with living quarters, and the vehicles that pull them.

Farm Umbrella available as a supporting policy to complete your client’s coverage.

Get started with our Farm & Ranch checklists

For new or prospective customers: Farm & Ranch Checklist

And our Supplemental Checklist for exposures such as Equine Liability and more!

Questions about available coverage offerings for Farm & Ranch? Please reach out to me or contact our Farm Support Team at (304) 636-5156.

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