With the cooler weather arriving for Fall & Winter, many horse owners are winding down their busy show seasons and using the extra time in preparation for next year's campaigns.  There's equipment that needs repair or replacement, horses that need rest or rehab and lots of other items that need attention so that next year, your horse activities can go smoothly with no surprises.  We all know however that it's difficult to think of everything and surprises can come along no matter how well we prepare.

So, it may also be a very good time to be sure your exposures to financial loss are recognized.

Mortality Insurance can protect you against financial loss should your horse die or have to be euthanized due to injury or illness.  Adding Major Medical coverage to a mortality policy can protect against financial loss due to medical costs above a deductible amount.

Horse owners Liability Insurance can protect you against financial loss if your horse causes bodily injury to someone else or damages someone else's property.

We at Segundo Insurance do business with insurance companies that have specialty insurance products that provide this type of protection against financial loss for horse owners.

But what about horse trainers or riding instructors?  We also have Commercial Equine Liability coverages for trainers. lessons instructors and coaches who derive income for their horse activities.  Training/Lessons can be given on the trainer's own farm property, or on someone else's property and coverage can be arranged for most any situation.  A farmowner may require you to have this type of insurance before being allowed to train or instruct on their property.  If you board horses while they are being trained, the property owner and the trainer/instructor have exposures for the care, custody & control of horses belonging to others.

Since there are many different activities involving horses, there are many different exposures to financial loss.  Each case seems to be unique in some way or another.  Because of this, each of our products is quoted individually and the premium costs are determined based on those specific exposures applied for.

The Equine Limited Liability Laws in most States provide some protection for Equine professionals, but you can still be sued and if you are, Liability insurance can provide defense costs and judgement costs for covered activities up to the Limits purchased.

No matter what your level of activity in the horse world, you do have exposure to financial loss.

While you're preparing for next year's horse activities, would it not be a good idea to call a horse insurance specialist?  With knowing the exposures you have you can then make an informed decision on which ones you may wish to self-insure and perhaps some that you want covered by insurance.

In closing, we at Segundo wish you a Very Merry Christmas and a Very Happy and successful New Year.