The Chronicle of the Horse
MagazineNewsHorse SportsHorse CareCOTH StoreVoicesThe Chronicle UntackedDirectoriesMarketplaceDates & Results
 
Results 1 to 15 of 15
  1. #1
    Join Date
    Feb. 22, 2009
    Location
    Wisconsin
    Posts
    2,655

    Default For those small places that take on only 3 or 4 boarded horses, insurance question

    So for those of you who only take on a couple boarded horses on top of your horses what do you pay for insurance? Or do you just use your states Equine Liability Law to cover it?



  2. #2
    Join Date
    Nov. 26, 2001
    Location
    Nashville, TN USA
    Posts
    1,158

    Default

    Never think that your equine liability law is the same as insurance! I have used Jarvis Ins for yrs and they are great. Give them a call, do the paperwork and get a quote.



  3. #3
    Join Date
    Apr. 2, 2011
    Posts
    904

    Default

    We have a commercial policy. Once you take in dollar one, your homeowners policy will not cover you.



  4. #4
    Join Date
    Feb. 22, 2009
    Location
    Wisconsin
    Posts
    2,655

    Default

    Does anyone mind telling me how much they pay? Feel free to send it in a PM if you want.



  5. #5
    Join Date
    Nov. 20, 2008
    Location
    NJ
    Posts
    2,182

    Default

    I use Farm Family and I think the liability extra coverage winds up being an additional $400/year.



  6. #6
    Join Date
    Dec. 28, 2003
    Location
    Vancouver Island, BC, Canada
    Posts
    2,309

    Default

    Just to give you an idea. I ran a boarding/lesson/training barn and my cost was $1200. a year. Worked out to be $100.00 a month. was easy enough to split the cost and ad it in to the board for each horse.
    Are you going to cowboy up or lie there and BLEED?



  7. #7
    Join Date
    Apr. 2, 2011
    Posts
    904

    Default

    For us, our homeowners dropped the entire property as soon as we took in the first dollar. We ended up getting a commercial farm policy for the entire property with a standard policy through the same company for the house.

    Don't assume your homeowners policy will still be in effect if you start boarding horses.



  8. #8
    Join Date
    Feb. 6, 2007
    Location
    Maryland USA
    Posts
    1,448

    Default

    Ours adds about $100 per year per horse to our farm policy.



  9. #9
    Join Date
    Feb. 9, 2005
    Location
    Upper Midwest
    Posts
    5,640

    Default

    For those that have posted what their insurance runs, would you be willing to say how many boarders that covers please? And who you insure through. TIA!
    Siouxland Sporthorses: http://slsfarm.blogspot.com/

    DIY Journey of Remodeling the Farmette: http://weownblackacre.blogspot.com/



  10. #10
    Join Date
    Aug. 17, 2004
    Location
    Rixeyville, VA
    Posts
    6,456

    Default

    Generally speaking, for liability it's a flat rate for the risk. However, Care, Custody and Control coverage which covers you if a boarded horse is injured or killed due to your negilgence is bundled. Usually it will cover X increments of horses for a per horse limit and a maximum limit for all horses. The CCC coverage adds maybe a couple of hundred dollars to the policy premium. I typically have 3 - 5 boarders at any given time.
    Where Norwegian Fjords Rule
    http://www.ironwood-farm.com



  11. #11
    Join Date
    Aug. 17, 2004
    Location
    Rixeyville, VA
    Posts
    6,456

    Default

    Generally speaking, for liability it's a flat rate for the risk. However, Care, Custody and Control coverage which covers you if a boarded horse is injured or killed due to your negilgence is bundled. Usually it will cover X increments of horses for a per horse limit and a maximum limit for all horses. The CCC coverage adds maybe a couple of hundred dollars to the policy premium. I typically have 3 - 5 boarders at any given time.
    Where Norwegian Fjords Rule
    http://www.ironwood-farm.com



  12. #12
    Join Date
    Feb. 22, 2009
    Location
    Wisconsin
    Posts
    2,655

    Default

    Well we are going with Jarvis as they offer liability for myself as an instructor, and trainer (the huge things) and 4 boarded horses (I don't want more) for the 1Million policy for teaching and training people for jumping, dressage, and english for about $570 a year. The liability for teaching and a couple boarded horses is what I was worried about the most, so it works out not to bad. Plus I have heard good things about them.



  13. #13
    Join Date
    Jan. 17, 2008
    Location
    Dutchess County, New York
    Posts
    4,024

    Default

    I am coming late to this discussion, but I pay $500/year through Broadstone for liability. The premium amount is not dependent on the number of boarders. It has stayed the same with two boarders and eight boarders. However, I do not teach or do anything else, which might affect the premium. $570 for you sounds like a good deal.



  14. #14
    Join Date
    May. 6, 2007
    Location
    Napanee ON
    Posts
    3,887

    Default

    It depends on the company you have, most farm policies will allow up to 3 boarded horses, then you can add additional premium when you increase the number of horses.

    I have not heard of a home owners policy that will cover horses. I have seen many claims denied because the home owners never disclosed there were animals on the property, so be careful with that!

    I can't help with costs in the US, but I would also strongly suggest you require boards to carry their own liability insurance also.



  15. #15
    Join Date
    Sep. 7, 2009
    Location
    Lexington, KY
    Posts
    16,647

    Default

    Farm Bureau covers us for everything for 4 horses and under. We only have one retired boarder, so we dropped the training/lessons/rider coverage. They have my homeowners, farm, liability, farm equipment, auto and an umbrella policy.
    "We can judge the heart of a man by his treatment of animals." ~Immanuel Kant



Similar Threads

  1. EPSM diet for boarded horses
    By seeuatx in forum Off Course
    Replies: 10
    Last Post: Jun. 26, 2012, 07:59 PM
  2. Anyone board/have boarded at these va places?
    By alittlegray in forum Hunter/Jumper
    Replies: 12
    Last Post: Jan. 25, 2011, 10:21 PM
  3. (Small) Farm Insurance Costs
    By Eventaholic in forum Around The Farm
    Replies: 1
    Last Post: Jan. 14, 2011, 12:33 PM
  4. Replies: 13
    Last Post: Nov. 27, 2010, 11:27 AM
  5. Help, small farm insurance, who do you use?
    By Donnalynn in forum Off Course
    Replies: 11
    Last Post: Dec. 11, 2008, 11:22 AM

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •  
randomness