Direct Clients

Equine Coverage Without Involving a Broker

At Ark Agency, we are concerned with the specific equine insurance needs that you have, and not what your broker thinks you have. Often times, insurance agents and brokers will come up with a list of risks that they assume you have, without looking directly at your unique needs. The outcome is often horse insurance that is unfavorable for you.

Our experience with equine insurance allows us to provide our individual customers with top quality coverage that is tailored to their exact needs. Through person-to-person service, you are better able to get the secure coverage you are looking for.

Equine Coverage Without Involving a Broker
Dedication to Excellence

Types of Insurance

Dealing with horses is just as much of an individual process as dealing with people. Each animal has a personality and purpose that offers a unique set of risks to the owner. Of course, there are certain risks that all horse owners and horse operations face on a daily basis. At Ark Agency we work to build a policy or set of policies that keep a client’s needs in perspective. With all of that information in mind, some of the equine insurance coverages that we offer to individuals include:

  • Horse Mortality – This type of insurance for horses is comparable to life insurance for us. It comes as either full or limited, based on the needs that you see fit.
  • Horse Medical – Most horses will require medical assistance during their lifetime. Insuring their health is a smart idea. Coverage includes surgical and other major medical expenses.
  • Horse Loss of Use – This coverage is typically dependent on the age and value of a horse, and comes as either a full or limited policy.
  • Equine Liability – A very important type of third party liability coverage that protects you in the event of a horse related claim or lawsuit is made against you or your business. Various limits are available for almost every type of horse activity, and our policies have a zero dollar deductible.
  • Farm & Ranch Package Insurance – We offer package policies that include property coverage for your buildings, loss of household personal property, tack and equipment, machinery and livestock, and can usually include personal liability and commercial equine liability.

In addition to the equine coverage we provide, we offer insurance options for cattle and livestock, dogs, and even exotic animals.

Insurance Brokers & Agents

Now Calling All Insurance Brokers & Agents

Not only does Ark Agency provide clients with quality livestock and horse insurance, we also want to work with insurance brokers and agents. We invite you to reach out to us if you are looking to do business with our firm through your agent. Now you can make sure that your clients are receiving the quality horse, trainer, riding instruction or cattle insurance that they deserve.

Insurance Brokers & Agents
Dedication to Excellence

New Broker & Agent Inquiries

Ark Agency is always open to receiving inquiries from brand new agents and brokers. Allow us to help you to take care of your clients while you build your reputation. If you are looking to work with us, we require that you:

  • Be licensed as either a resident or non-resident in the state in which your client resides
  • Have a current Errors & Omissions insurance policy (this can apply to you or your agency)

For all Surplus Lines products, we will collect the state taxes and fees, and handle the payment of those to each state as required. Our brokers and agents receive competitive commissions.

Professional Horse Insurance Providers

When you seek client insurance with Ark Agency, you will work with a company backed by over 35 years of experience and success matching up clients with the best available major medical or surgical insurance for their horses according to the client’s needs and budget. We place customer care as a high priority, and the same applies to our broker and agent relationships as well.

Contact Ark Agency Now!


Understanding horse trainer insurance plans can be confusing, especially if you’re purchasing insurance for the first time. Let our knowledgeable insurance associates educate you on the basics of horse insurance. Contact us online or call us today to find out more.

Facebook Feed

Ark Agency Animal Insurance Services shared Jack Bell Photography's photo. ... See MoreSee Less

“The essential joy of being with horses is that it brings us in contact with the rare elements of grace, beauty, spirit, and fire.” ~Sharon Ralls Lemon

1 day ago  ·  

Ark Agency Animal Insurance Services shared's post. ... See MoreSee Less

CDL's, CMV's, ELD's and other confusing acronyms... Share with your horse friends! Our intent is to 1) define some of the acronyms and 2) explain when they may apply to you. This is in no way all encompassing of the mandate so be sure to review the linked documents below. Helpful brochure from American Horse Council: Unabridged version of the mandate:

1 week ago  ·