Liability and Protection

Stable Liability

Covers legal liabilities associated with the operation of horse stables, protecting against claims arising from accidents or injuries on the property.

Care, Custody & Control

Provides coverage for horses under the care, custody, or control of the insured, protecting against damage or loss while in their possession.

Umbrella

Offers additional liability protection beyond standard coverage limits, providing an extra layer of security against significant claims or lawsuits.

Business and Operations

Horse Farms

Covers property and liability for horse farms, including barns, equipment, and business operations, ensuring protection against various risks.

Riding Clubs & Associations

Provides insurance for riding clubs and equestrian associations, covering liability and operational risks associated with club activities and events.

Boarding

Offers coverage for facilities that board horses, protecting against liabilities and damages related to the care and accommodation of boarded horses.

Specialized Equine Needs

Therapeutic Riding

Covers programs and activities related to therapeutic riding, providing protection for both the participants and the facilities involved.

Breeders

Provides insurance for equine breeders, covering risks associated with breeding operations, including liability and loss related to breeding activities.

Workers Compensation & Employer Liability

Covers medical expenses and legal liabilities related to employee injuries on the job, ensuring compliance and protection for workers in the equine industry.

Insights

April 16, 2025

The Power of Data: How Smart Plan Sponsors Use Analytics to Control Costs and Shape the Future of Health Care

Health care costs continue to rise at an unsustainable pace. For employers offering health plans, this upward pressure threatens not only budgets but also the ability to provide high-quality, competitive benefits. Yet some of the most successful plan sponsors are not only managing costs but actively bending the health trend. How? Through sophisticated use of […]

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April 16, 2025

Smart Shifts: Balancing Cost Control and Employee Benefit Commitments in Uncertain Times

Economic uncertainty has always been a challenge for employers trying to manage budgets while supporting their workforce. When financial pressures rise, organizations often face tough decisions about how to reduce costs without compromising the quality and competitiveness of their employee benefits. It’s a delicate balancing act—one that requires thoughtful planning and strategic adjustments to protect […]

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March 20, 2025

Captive Risk Management: A Smarter Way to Take Control of Your Insurance Strategy

For many businesses, traditional general liability insurance and professional liability insurance offer essential protection—but they often come with limitations. Rising premiums, rigid policy terms, slow claims processes, and frustrating exclusions can leave companies feeling powerless. As organizations grow, so do their risks. Yet, conventional insurance often struggles to keep pace, offering little flexibility or control. […]

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March 20, 2025

Specialty Drug Coverage: Managing the Fastest-Growing Cost in Employee Benefits

While employee benefits are always changing, one of the most significant challenges is the escalating cost of specialty drugs. These medications, designed to treat complex and chronic conditions like cancer, rheumatoid arthritis, and multiple sclerosis, are revolutionizing patient care. However, their high price tags are placing immense pressure on employer-sponsored health plans. Understanding the drivers […]

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March 20, 2025

The Hidden Costs of a Bad Benefits Package: Why Retention Starts with the Right Offerings

Attracting and retaining top talent has become one of the most pressing challenges for employers. Gone are the days when offering a competitive salary alone was enough to secure long-term employee loyalty. Today’s workforce—especially younger generations—places equal, if not greater, value on the quality and variety of the benefits an employer provides. From health coverage […]

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March 20, 2025

Embracing Agile HR: A Smarter Approach to Change Management in Today’s Workplace

In the current business climate, change is constant and often unpredictable. Shifting workforce expectations, evolving technologies, regulatory updates, and new competitive pressures reshape how organizations operate. Adaptability has become a non-negotiable skill for HR professionals responsible for supporting their workforce and driving organizational success. Traditional HR processes, often structured in rigid, step-by-step models, struggle to […]

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Ready to Secure Your Business?

Your business deserves the best protection available. Contact us today to discuss your specific needs and how we can tailor a comprehensive insurance package for you. Our friendly, knowledgeable staff is here to assist you every step of the way.

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