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Horse farm and ranch

Horse farm and ranch insurance can provide the coverage you need.

Submit an online application or contact one of our appointed Markel agents to get a quote today.

Submit an application

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Or call +1.800.842.5017 to speak with a horse farm and ranch insurance specialist.

A horse farm or ranch needs specialized insurance protection for both horses and property.

You know horses are capable of damaging property and injuring people. So your insurance coverage needs to offer insurance protection against not only those kinds of liability claims, but also provide coverage for your home, stables, equipment and even your personal valuables.

With over 50 years of experience writing equine insurance, we understand the risks and liabilities horse farm and ranch owners like you are exposed to. That’s why we provide customizable insurance solutions to cover your farm property along with your commercial equine operation.

Why is insurance for horse farms and ranches important?

It’s critical to have insurance protection against claims you may experience when managing your farm or ranch business. Equine insurance specialists write policies and help with claims specific to your farm or ranch. They can provide coverage for liability and medical payments, along with property coverage for your home, stables, equipment, vehicles, valuables and more—all in one policy.

What we offer

By choosing Markel’s horse farm and ranch insurance, you can get the insurance protection you need for both horse-related liability and for your farm and ranch.

Our coverages can include:

Farm property
This coverage includes dwellings, outbuildings, farm personal property, and disruption of farming. AG Premier and AG Essential property enhancements available to increase limits and provide additional coverages.

General liability

  • Commercial general liability available limits:* $300k/$900k; $500k/$1.5m; $1m/$3m
  • Coverage includes full or limited premises, equine liability, professional liability, personal liability, $5,000 medical payments, $100,000 fire legal liability, excludes products liability
  • Our commercial general liability enhancement increases limits and provide additional coverages

*Per occurrence is the maximum amount that may be paid on a covered individual claim; aggregate is the maximum amount that may be paid on all covered claims combined within the policy period.

Excess liability
Excess liability is available over the underlying Markel Specialty general liability.

Auto is only available for qualified customers' farm and personal vehicles when writing the farm package; monoline auto not available.

  • Frequently asked questions about horse farm and ranch insurance

    I care for other people's horses. What are my risks and liabilities?
    Many people in your situation are underinsured and unaware of the level of protection they need. Learn more about our Care, Custody and Control coverage that can be added to your Horse Farm package or Commercial Equine Liability policy.

    I own a horse farm and need to protect my home, my buildings and cover my liability exposures. What can I do?
    You might consider an all-in-one package that covers you completely. Our Horse Farm package can provide complete coverage including property insurance to cover your home and contents, barns, sheds, owned machinery, equipment, tack and livestock. Liability insurance is also included in our package to cover your home and horse operation, on and off premises.

    What is the difference between an insurance agent and an insurance company?
    The nature of the equine insurance industry has changed dramatically in the past few years, and it is critical that consumers understand the differences in policies. They should also know the company - the insurer - who is protecting them.

    An insurance agent must be authorized by an insurer to solicit insurance and depending on the authority granted by the insurer, may negotiate and bind insurance coverage. The insurer underwrites and binds insurance coverage for an insured in order to indemnify their losses and provide them benefits subject to all the terms of the insurance policy.

Association membership credits

A 10% credit is available towards liability premium if you are a member of one of our accredited professional associations.

Get the protection you deserve.

Submit an application

You may also contact one of our appointed Markel agents, or download applications and supplemental forms to get a horse farm and ranch insurance quote today.

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