If you own a horse, or horses it would be advisable to specifically ask your insurance agent if you have coverage in the event your horse(s) cause bodily injury or property damage to any third party
either while on your property or away from your property.  If you take your horse to shows or trail rides
or send mare out to be bred, you'll want your insurance protection to go as far as the horse does.

If you wish to protect your investment in your horse(s) so that you can be financially able to
replace the horse if he/she dies, you'll need to ask your agent for Horse Mortality Insurance.  This is a
specialty insurance product and is only available from a small number of insurance companies through
selected agencies.  If your agent does not offer this insurance, ask if he can get it for you.  Or, you can
find an Equine Mortality Insurance Agent by asking friends in the horse business, or perhaps through
your Breed Club or Association.

If you own horses and a farm, be sure that your insurance companies knows what horse related
activities you have on your farm, and be sure you have coverage off­premises if you take your horses to
shows, trail rides, etc.  If you do any Training, or give any Riding Lessons, you need to consider
Equine Commercial Liability coverage to be properly insured.

Horses are a great source of joy and relaxation for a great number of people.  Please make sure you
have the proper insurance coverage to protect you financially against the unforeseen that can happen to
anyone.

Happy Trails and best regards from,

Jim Brown
Ed & Marcella Hampp
Segundo, Inc.