Every horse owner we insure tells the same story – their horses are a part of their families. Whether they own Clydesdales or Shetland Ponies or any other breeds in between, they feel the same about their horses as they do for any other member of the family. Regardless of your personal feelings, your horse is also a significant financial investment, and should be protected like any other investment.
A horse/equine insurance policy is a cost effective way to ensure your horse is properly protected.
Have you considered what happens if your horse gets sick or injured? An equine policy will cover emergency medical care, including surgical and major medical coverage. This coverage is imperative, giving you peace of mind in case the worst happens.
Horse owners know that despite a horse’s individual personality type, he/she can be unpredictable. Horses are fight or flight and even the most social or docile creatures can get spooked. Anything can happen – a horse can bite or kick someone, escape from your property and cause damage, or throw a riding child. As a horse owner, you are liable for your horse’s actions, and the smallest incident can result in costly and lengthy lawsuits.
That’s why all horse owners should carry a general liability policy that will cover you in the event of a mishap. An equine policy will cover you for liability of up to $1,000,000, and you can upgrade to $2,000,000 for a small fee. Liability policies will not just cover you in the event of a ruling, but will also cover your legal costs to defend the suit.
Purchasing an equine policy is fast and easy, and the cost is approximately 2.5% of the cost of your horse. To find out more, contact an equine insurance specialist today, who will answer any questions you may have about policies and coverage.
Contact Cornerstone Insurance Brokers for a free, no obligation quote by calling 1-888-768-8001.
Cornerstone Insurance Brokers is a full line insurance brokerage with offices in Woodbridge/Vaughan, Markham, and Barrie. Cornerstone provides car, home, motorcycle, farm, equine, rural, business, life, disability, critical illness and health insurance, as well as employee group benefits all over Ontario.