Partial Package Policy

Ark Agency Animal Insurance Services

Equine Services Partial Package Insurance

Insure Your Horse Business Liability and Equipment Under One Policy

RIDING INSTRUCTOR                                                              

HORSE TRAINER

HORSE DRAWN VEHICLE RIDE OPERATOR           

PONY RIDE OPERATOR

FARRIER / BLACKSMITH                                                         

EQUINE ASSISTED SERVICES

DISABLED RIDING PROGRAMS                                          

THERAPEUTIC RIDING SERVICES

THERAPISTS FOR HORSES

GUIDES & OUTFITTERS 

Are you a Riding Instructor or Horse Trainer who works at various locations you do not own, and would like to insure your tack and horse equipment along with your commercial liability insurance policy?

Or perhaps you operate a Horse Drawn Vehicle Ride Service and need to insure your carriages, trolley, or wagon, and harnesses when away from home along with your important commercial liability insurance.

Maybe you run a Pony Ride service for events and festivals, and need insurance for liability and your carrousel or sweep equipment in addition to saddles, bridles, helmets, ticket booth and ring fencing.

If you are a Farrier / Blacksmith who travels to various locations, you need a commercial policy that could include liability and property insurance for your equipment.

Perhaps you provide Equine Assisted Services, Disabled Riding and Therapeutic Riding Services, or Therapeutic Services to Horses, and you keep specialized equipment at a specialized location or carry it with you in your vehicle or trailer.  You want to be sure your equipment is insured along with your important liability insurance policy.

It is a fact that you may not be able to insure your commercially used tack and horse equipment under your homeowners, renter’s, or farm owner’s policy because it has business use.   Or perhaps you do not own a home, stable or farm, and cannot buy insurance to cover the loss or damage to this equipment.  Perhaps your equipment is insured, but not while in transit or when it stays at the premises of the stables or farms where you work.  Perhaps your business personal property is not insured while away from home.

With these problems of coverage to consider, keep in mind that Partial Package Insurance may be just right for you, and Ark Agency is able to help you with this.

Partial Package Insurance can include Inland Marine Floater Coverage for common types of loss or damage to your:

HORSE & FARM PERSONAL PROPERTY

Horse Tack & Equipment

Animal Feed, Hay, Bedding and Feeding Equipment

Tools & Equipment

Grooming Supplies

Machinery – Other than licensed vehicles and trailers

Mounting Blocks & Ramps

Portable Stalls and Fencing

Stable Decorations

Ticket Booth / Counter

Carrousels & Sweep Devices

Jumping & Gaming Equipment

Carts, Buggies, Carriages, Wagons, Trolleys, Sleds & Cutters

Horse Walkers & Tread Mills

Office Equipment & Computers

DESCRIPTION OF INILAND MARINE COVERAGE:

Despite the word “marine”, most inland marine insurance coverages are for property on land.  The property that is insured is typically that which is actually in transit, temporally located at a place in preparation for transport, or a movable type of goods that is often at different locations.  The policy insures the movable property against risks of direct physical loss or damage from any external cause but with specific exclusions.  Common causes of loss can be fire, lightning, windstorm, cyclone, tornado, collision, upset or overturn of the transporting conveyance, theft from an attended or secured compartment or area.

Some Common Exclusions: Loss or damage caused by wear and tear, gradual deterioration, insect, vermin, inherent vice, extremes of temperature, atmospheric or climatic conditions; Loss or damage caused by leakage, denting, marring or scratching; Loss or damage by earthquake or flood; war risks and nuclear risks.

We can provide you with complete policy wording at your request.

LIMITS OF INSURANCE

The Partial Package Policy can insure Scheduled Property up to a total of $100,000 in value.

DEDUCTIBLES AND DEDUCTIBLE OPTIONS

Operations with Scheduled Carriages:          Deductible options of $500; $1,000; $2,000

Pony Ride Equipment:                                       $500 Deductible

All Other Types:                                                    $250  Deducible

1. Life insurance is not available on horses under this policy.  See Horse & Equine Insurance – Life,   Surgical and Major Medical Insurance is available for horses.  See Horse & Equine Surgical & Major Medical Insurance These coverages are not available on the package policy, but are sold as a separate policy.                                                                                                                                                     
2. Licensed autos and trailers cannot be insured under this policy, but should be insured under an auto policy.

Partial Package Insurance can also provide your:

LIABILITY COVERAGES

Commercial General Liability Commercial liability to insure your lower risk equine / horse business operations, such as boarding, training, showing and lessons. It protects you from financial loss should a customer, visitor, or a trespass become injured [Bodily Injury] or their property is damaged [Property Damage] in relation to your operations, and they make a claim or file a law suit against you for damages.  Note that under one of our programs, Special Risk horse activities can be insured also, such as horse drawn vehicle rides, horse rental, camps, pony rides, and petting zoos.

Care, Custody & Control Insures horses in your care that are not owned by you for loss or injury that you are responsible for.

Equine Professional Liability Insures Professional Equine Services Providers for their professional acts – Riding Instructors, Trainers, Equine Assisted, Therapeutic Services, Farriers, etc.

LIMITS OF LIABILITY INSURANCE

$300,000 / $600,000;   $500,000 / $1,000,000;    $1,000,000 / $2,000,000  [Higher Limits may be available upon request.]

LIABILITY INSURANCE DEDUCTIBLE

There is no Deductible on Liability Insurance

GENERAL LIABILITY COVERAGE & LIMITS

The General Liability Policy provides specified maximum limits or amounts of liability insurance for:

Medical Expense: Pays for a claimant’s low cost medical expense with few questions asked about your liability or responsibility in the matter.

Legal Defense Costs: Today court costs and hiring of a lawyer can quickly mount to $50,000 or more, an expense you do not want to come out of your pocket if you are sued and have to hire a lawyer.  If sued in relation to the insured activity, the policy provides legal defense whether the case has merit or not.

Claim / Settlement  Costs: Pays bodily injury and property damage claims for which you are held responsible.

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