As a horse farmer, you understand the unique liability exposures you face, such as when an animal:
  • Wanders onto the roadway and causes an accident (one of our most frequent liability claims)
  • Reacts unpredictably and someone is injured
You should also consider equine liability insurance protection if:
  • The general public comes onto your farm or ranch
  • Customers leave their animals in your care
Get the protection you need with AgriChoice®, a tailored policy that combines various coverages into one convenient package.

What an AgriChoice policy covers

We start with a base policy to protect what most cattle ranches require.1

  • Farm home and contents
  • Detached garages and other buildings
  • Farm and ranch structures
  • Personal property
  • Machinery and equipment
  • General liability protection

Then, we offer a variety of optional coverages to tailor your policy to the exact needs of your farm or ranch. That way, you only pay for the protection you need. Not for coverages you don’t.

Optional AgriChoice coverages for horse farms

Equine insurance coverage for your animal

Horse insurance may protect against several additional categories of loss. If you choose not to insure your horses, AgriChoice still provides you with coverage if they’re struck by a motor vehicle, train or accidentally shot. At no additional cost, this coverage provides protection up to $500 per head. Higher limits are also available.

Coverage for your hay

When coverage for hay is chosen, AgriChoice provides coverage up to $100,000 per stack.

Pollution liability coverage

Farmers and ranchers are potentially exposed to liability for pollution from a variety of farm operations, including:
  • Overspray or misapplication of chemicals
  • Leakage from on-premises storage tanks and lagoons
  • Off-premises liability from transportation

You may also be liable for government-ordered clean up costs, both on and off your premises. Discuss your state's pollution coverage with your agent.

Protection for:

  • Boarding
  • Breeding
  • Training
  • Claims that a horse was killed or injured while in your care

Additional coverages

Customize your policy to the needs of your operation.

Learn about optional coverages

Land As Your Legacy®

One day, your farm will be the legacy you pass on to the next generation.

Learn about transition planning

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For your home, contents and farm structures, you can select the level of coverage that's right for your operation. For equipment, livestock and other personal property used in your operation, your insurance policy will define your coverage based on which causes of loss apply.

The availability of products and discounts varies by state. Products are subject to deductibles, exclusions and conditions.