There are a lot of different ways that we can keep you and your assets safe. Starting with a simple consultation, we can provide custom packages to ensure you have your home, barns, equipment, and outbuildings covered. All equine mortality insurance is handled by our our partner company, Albracht Insurance Agency, LLP. We have products to help financially cover auto-related damages, loss, or injuries.
They help protect you, your passengers, your fellow drivers, pedestrians, other people's property, and your vehicle.
They help protect you, your passengers, your fellow drivers, pedestrians, other people's property, and your vehicle.
Services
Your farm is most likely the major investment in your life, whether your property is a small farm or a large commercial breeding or training establishment.
As a horse owner, trainer, breeder or instructor, you have invested heavily in your business.
Homeowner policies do not cover the legal liability associated with owning a farm, ranch or stable.
They do not cover training, boarding, breeding, giving riding lessons, or buying and selling horses, which are considered business pursuits.
That means an important part of your operation is not covered.
As a horse owner, trainer, breeder or instructor, you have invested heavily in your business.
Homeowner policies do not cover the legal liability associated with owning a farm, ranch or stable.
They do not cover training, boarding, breeding, giving riding lessons, or buying and selling horses, which are considered business pursuits.
That means an important part of your operation is not covered.
Personal property pays if the items in your house (such as furniture, clothing, and appliances) are damaged, stolen, or destroyed.
Other structures pays to repair or rebuild structures not attached to your house, such as detached garages, storage sheds, and fences.
Loss of use pays your additional living expenses (housing, food, and other essential expenses) if you have to temporarily move because of damage to your house from a covered loss.
Your policy will pay either a percentage of the amount of your dwelling coverage (typically 10 to 20 percent) or for a specific period after the loss (such as 24 months).
Other structures pays to repair or rebuild structures not attached to your house, such as detached garages, storage sheds, and fences.
Loss of use pays your additional living expenses (housing, food, and other essential expenses) if you have to temporarily move because of damage to your house from a covered loss.
Your policy will pay either a percentage of the amount of your dwelling coverage (typically 10 to 20 percent) or for a specific period after the loss (such as 24 months).
We help design a product to help financially cover possible auto-related damages, loss or injuries.
It helps protect you, your passengers, your fellow drivers, pedestrians, other people's property.
It can also help protect you in the event of an automobile-related lawsuit.
An auto insurance policy is a package of several primary coverage's.
The coverage's may differ depending on the state where you reside.
Your premium payment is the total of these selected coverage's for a given period of time.
It helps protect you, your passengers, your fellow drivers, pedestrians, other people's property.
It can also help protect you in the event of an automobile-related lawsuit.
An auto insurance policy is a package of several primary coverage's.
The coverage's may differ depending on the state where you reside.
Your premium payment is the total of these selected coverage's for a given period of time.
Albract Harwood Insurance has a variety of equine liability related coverage's and we are always open to inquiries about placing coverage for the unique and unusual.
This coverage is vital protection if you perform any commercial equine activities such as boarding, instruction, riding academies, training, breeding, clinics or horse sales.
Coverage is provided if you are sued by a third party who is injured or whose property is damaged due to your horse-related activities.
This coverage covers defense costs and claims for which you are legally liable, up to the policy limits.
This coverage is vital protection if you perform any commercial equine activities such as boarding, instruction, riding academies, training, breeding, clinics or horse sales.
Coverage is provided if you are sued by a third party who is injured or whose property is damaged due to your horse-related activities.
This coverage covers defense costs and claims for which you are legally liable, up to the policy limits.
Sure, if a casual visitor gets injured at your home, then your homeowners' insurance will probably protect you.
But if you have any equine operations, you need a farm/ranch policy.
Also note that most homeowner's policies will not cover your equine exposure off premises regardless of if you own 1 or 50 horses.
A farm insurance policy combines the standard coverage offered by a personal homeowner's policy with commercial property and liability coverage.
The benefit of a farm policy is that it can be customized to your needs even If you own 1 acre or 5000.
But if you have any equine operations, you need a farm/ranch policy.
Also note that most homeowner's policies will not cover your equine exposure off premises regardless of if you own 1 or 50 horses.
A farm insurance policy combines the standard coverage offered by a personal homeowner's policy with commercial property and liability coverage.
The benefit of a farm policy is that it can be customized to your needs even If you own 1 acre or 5000.
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