ARK Agency Animal Insurance Services
North American Horsemen’s Association

Since 2005 this was the official website for the ARK International Group.
The content is from the site's 2005 -2008 archived pages.

The current website for ARK International Group is found at: http://www.arkagency.com/
Founded in 1978, Ark Agency Animal Insurance Services has been successfully pairing clients with quality horse insurance coverages they can depend on. We specialize in finding quality, comprehensive coverage for your prized equines, as well as other valuable livestock. Licensed to service clients in all 50 states, we place a high importance on finding the coverage you need for your investment. Along with the Horsemen of North America Purchasing Group and the North American Horsemen’s Association, Ark Agency is a division of the Ark International Group.

ARK Agency Animal Insurance Services /North American Horsemen’s Association

ARK AGENCY
P.O. Box 223 • Paynesville, MN 56362
1-800-328-8894 or 320-243-7250
FAX: 320-243-7224
www.arkagency-naha.com

 

ARK Agency Animal Insurance Services


Life and Health Insurance for your horses, cattle and other animals

A WORD ABOUT OUR SERVICE
Ark Agency been providing quality insurance & risk reduction services in 50 states for over 30 years.  We believe in Person-to-Person Service.  We're glad to assist you and answer your questions.  Call us for a Quick Quote.  We'll guide you to the right application and even help you complete it. We work only with top quality exprerienced insurance companies noted for excellent products, processing, and claims services.

A WORD ABOUT PRICING OF INSURANCE PRODUCTS
We've been in business for 30 years.  We understand our specialty and the need to price insurance products for long term stability. The right pricing is necessary so that we and our insurers will be there for you, not just for today, but well into the future.  We provide high quality insurance that is tailored to your needs.  Buying the lowest price is not always in your best interest. When shopping for insurance you will find that many insurers do not understand your unique situation, some coverages may not be quoted to you or even available.  The quote you get may not be "apples for apples" to what we will provide.  

Remember, the bitterness of poor quality lingers long after the sweetness of low prices are forgotten!


Life and Health Insurance for Your Horses, Cattle, and Other Animals

Full Mortality & Theft * Limited Mortality * Surgical & Major Medical
Transit Insurance  * Stallion Infertility


 
Horse Business Insurance For Nearly All Activities and Operations
               
Farm - Ranch - Stable Insurance  
Boarding, Breeding, Training & Instruction *  Horse Rentals  * Guides & Outfitters  *  Pony Rides
Carriage Rides  *  Tractor Drawn Rides  *  Equine Assisted & Therapeutic Programs  * Professional Liability



Farrier Insurance
General Liability * Professional Liability * Care, Custody & Control * Inland Marine for Portable Items  * Assistants also Insured


Liability Insurance for Clubs, Associations & Events
Riding, Driving & Breed Clubs   *   Polo   *   Rescue  * Mounted Units   *   Shows & Clinics

 



 

About North American Horsemen’s Association [NAHA]  

History & Goals of NAHA
NAHA - NORTH AMERICAN HORSEMEN'S ASSOCIATION, a Minnesota registered organization, was founded in 1987 in response to specific needs of the horse industry which were not being met by other organizations. Founded in the midst of an insurance industry crisis which heavily hit the horse industry, it was believed some entity with expertise in both insurance and in the horse business should step forward to establish and recommend minimum risk reduction standards for the industry,based upon its most commonly occurring and avoidable accidents.

Other goals include:

  • To promote the horse and the horse industry.
     
  • To work for unity within the horse industry.
     
  • To establish a more reasonable and honest image
    of horses and horse enthusiasts to the insurance
    world and the legal profession.
     
  • To develop insurance programs that could attract
    the best insurance companies available and achieve
    long-term commitment from those companies.

NAHA is an informational, educational, service organization which continues to grow and expand its industry services. NAHA supports and promotes a stronger horse industry through unity. It supports other horse organizations, all breeds, and any and all constructive and humane horse uses and activities. NAHA attempts not to compete against organizations and the industry it endeavors to support and serve.

Membership fees go back to the horse industry in simple management of the organization; research to develop and update industry risk reduction standards, contracts, educational materials; awards programs, and response to industry needs and questions. The continuous input, suggestions, and support of members and associates is greatly appreciated by NAHA administrators. NAHA especially thanks members for support of the organization and those who participate in surveys, media monitoring, attorney and expert witness list development, who offer to write articles, and to those who submit suggestions and information to NAHA for review or publication.

Code of Ethics

North American Horsemen's Association Code of Ethics

Dedicated Members of the North American Horsemen's Association Strive To:

  • Appreciate and promote the natural splendor of the horse, all equine species and breeds;
  • Regard and promote harmony and balance between horse, mankind and the natural world;
  • Promote human experience, enjoyment and need for the horse;
  • Safeguard the welfare and humane treatment of horses;
  • Respect the welfare, safety and property of other people;
  • Support and subscribe to the risk reduction standards of the North American Horsemen's Association.

 



 

Insure Your Stable or Horse Farm

FARM & RANCH / ESTATE / HOBBY FARM PROPERTY & PACKAGE POLICIES

[GENERAL INFORMATION ONLY]  We offer Equine Farm, Ranch, Estate and Hobby Farm Package Policies through several A Rated (by A.M.Best) stock insurance companies.    Available in most states.

A package policy can include property coverage for loss of or damage to:

  • Main Dwelling & Household Contents
  • Secondary Dwellings & Contents
  • Garages
  • Stables, Barns, Indoor Arenas, Storage Sheds and Other Outbuildings
  • Personal property such as horses and other livestock, machinery, tack, and equipment

A package policy can also include:

  • Personal Liability Insurance (non-commercial liability insurance to protect you and your immediate family members)
  • Commercial General Liability (commercial liability insurance to insure your lower risk equine and farming operations)

NOTE:  Package policies do not usually insure Special Risks for liability, such as Pony Rides, Horse Drawn Vehicle Rides, Horse Rental and Trail Rides, Guides & Outfitters, and Horse Related Camps. Some insurance companies do not want to insure any horse riding exposure or equine professional and / or therapeutic exposure.   If you have these or other difficult-to-insure exposures we may be able to place your property through one Insurer and your liability insurance through another,  OR  just provide your Commercial Liability Insurance and you can secure property coverage elsewhere. Some exclusions apply to Property and Package Policies.  Coverages and conditions vary somewhat from one company to another. 

TO APPLY:  Call an Ark Agency Representative for details, qualification and evaluation requirements and to choose an Insurer that fits your needs.  We will help you determine which application(s) you should use. Upon request, we will send you a property / farm package application and instructions by e-mail, fax or mail.  The Insurer will require a fully completed application for insurance, photos of your premises and buildings to be insured, and a diagram of your premises. You need to disclose all of the buildings, personal property and liability exposures you want to insure.  You also need to disclose any other activities taking place on the property.  Once approved by the Insurer a quote will be provided to you for a Farm / Ranch Package Insurance Policy or for Property and / or Liability Insurance according to your requirements.

 



Equine Insurance Products

LIVESTOCK INSURANCE:  Insure Your Horses

Full Mortality Insurance (for Horses)

[GENERAL INFORMATION ONLY]  This is a type of insurance for your horse that is similar to a term life policy for a person.  Full Mortality Insurance will protect you against financial loss upon the death of your horse caused by or necessitated by both natural and accidental causes and while in the Continental U.S. and Canada.  Proven Theft coverage is included.   Under certain circumstances and with Insurer approval, insurance can be extended to horses while in some foreign countries.  The Full Mortality policy covers death only.  It is not a “fall in value” coverage, therefore it does not insure against minor injuries, depreciation of value, nor failure of the horse to perform the duties or requirements for which it is kept or intended. 

Any horse proposed for insurance must be physically sound and in good health.  A current veterinary certificate of health may not be required for some lower valued horses.  Surgical or Major Medical Insurance can usually be added to the Full Mortality contract, although it is not generally available for horses under six months of age or over 15 years old.    Policies are generally written for a 12 month period.   Some exclusions apply.  Coverages and conditions vary somewhat from one company to another.

Call an Ark Agency Representative for rates, details, qualification and evaluation requirements and to choose an Insurer that fits your needs.  We will help you determine which application(s) you should use.

A similar type of insurance is also available for cattle. 

 

Limited Mortality (also known as Specified or Named Perils Insurance)

[GENERAL INFORMATION ONLY]  This type of policy insures livestock (usually horses and cattle)  insured in the schedule only for loss by death due to specified perils.  The perils commonly insured against are fire & lightning, or smoke resulting there from; collision, derailment or overturn of certain conveyances while in transit including loading and unloading, collapse of bridges or culverts, earthquake and / or floods; windstorm, cyclone, tornado, hail, explosion, aircraft and objects falling there from.  Optional perils that usually may be added to this contract of insurance include:  Accidental Shooting (except by the Insured or the employees of the Insured; Drowning; Artificial Electricity; Attack by dogs or wild animals; Collapse of building, and Theft.   Some exclusions apply.  Coverages and conditions vary somewhat from one company to another.

Call an Ark Agency Representative for rates, details, qualification and evaluation requirements and to choose an Insurer that fits your needs.  We will help you determine which application(s) you should use.           

 

 

Surgical and Major Medical Insurance (for Horses)

[GENERAL INFORMATION ONLY]  SURGICAL INSURANCEThis coverage insures against loss incurred to an Insured in relation to an insured animal’s requirement of a surgical procedure.  The Insurer agrees to payment for a veterinary surgeon’s reasonable and customary surgical operating room charges incurred as a result of an illness or injury, including approved non-surgical medical fees incurred within a certain period of time following surgery directly relating to the surgery.  A specific limit is established by the Insurer for this coverage (usually between $5,000 and $10,000 depending upon the Insurer and the choice and availability of limits) and a deductible may or may not apply.  Premium for this coverage is usually fully earned at inception. This coverage is usually added as an endorsement to a Full Mortality Policy.  Some exclusions apply.  Coverages and conditions vary from one company to another.

[GENERAL INFORMATION ONLY]  MAJOR MEDICAL INSURANCE: This is a type of insurance that insures against loss incurred to an Insured in relation to an insured animal’s requirement of surgical procedure and major medical expense.  The Insurer agrees to payment forthe reasonable and customary charges of a licensed veterinarian(s) which are necessitated by accident, illness, disease or injury.A specific limit is established by the Insurer for this coverage (usually between $5,000, $7,500 or $10,000 depending upon the Insurer and choice and availability of limits) and a deductible may or may not apply.  Premium for this coverage is usually fully earned at policy inception (startup date).

This coverage is usually added as an endorsement to a Full Mortality Policy.  Some exclusions apply.  Coverages and conditions vary somewhat from one company to another.

Call an Ark Agency Representative for rate, details, and qualification and evaluation requirements, and to choose an Insurer that fits your needs.  We will help you determine which application(s) you should use.           

 

 

Transit Insurance:  Single Trip Transit, International Air Transportation, Territorial Transit (for Horses and Cattle)

[GENERAL INFORMATION ONLY]  This type of insurance protects the Insured against financial loss for the established value of an insured horse if it dies during transit (transport).

SINGLE TRIP TRANSIT INSURANCE is available as a separate policy. This coverage usually goes into effect when the animal is loaded and coverage terminates when the animal is unloaded.  Depending upon the age of the horse and other criteria, coverage may be purchased for Full Mortality during the transit period or just for specified perils that may result in accidental death of the insured horse.

INTERNATIONAL AIR TRANSPORTATION INSURANCE is usually applied by endorsement to a horse insured under a Full Mortality Policy to extend coverage to include international air transport of the horse. 

TERRITORIAL TRANSIT INSURANCE is usually applied by endorsement to a horse insured under a Full Mortality Policy to extend transit of the horse in additional specified territories outside of the Continental U.S. and Canada. 

Some exclusions apply to transit insurance and endorsements.  Coverages and conditions vary somewhat from one company to another.  Call an Ark Agency Representative for rates, details, and qualification and evaluation requirements and to choose an Insurer that fits your needs.  We will help you determine which application(s) you should use.

 

 

Loss of Use (for Horses)

[GENERAL INFORMATION ONLY]  Loss of Use Insurance is usually available on horses used for these purposes:  Hunter / Jumper, Dressage, Cutting, and Reining.  This coverage is usually added as an endorsement to a Full Mortality Policy.  

FULL LOSS OF USE:  This type of insurance provides that in the event that an insured horse becomes permanently incapable of fulfilling the functions for which it is used, as stated in the policy, but its condition does not necessitate destruction for humane reasons, the Insured will be paid a percentage of the insured value of the disabled horse.  Some exclusions apply. Coverages, Limits, and Policy Conditions vary from one company to another.

LIMITED LOSS OF USE  (External Injury Only):  This type of insurance provides that in the event that an insured horse becomes permanently incapable of fulfilling the functions for which it is used, as stated on the policy, as a result of external, accidental and violent means, but its condition does not necessitate destruction for human reasons, the Insured  will be paid a percentage of the horse’s insured value. Some exclusions apply. Coverages, Limits, and Policy Conditions vary from one company to another.

 Call an Ark Agency Representative for rates, limits, details and qualification and evaluation requirements, and to choose an Insurer that fits your needs.  We will help you determine which application(s) you should use.

 

 

Stallion Infertility Due To Accident, Sickness & Disease

[GENERAL INFORMATION ONLY]  This type of insurance usually extends a Livestock Mortality Policy to include loss due to an insured “proven” stallion becoming permanently impotent, infertile, or incapable of serving mares.  This incapacity must be the result of an accident, illness or disease which occurs after the effective date the endorsement is added to the policy and prior to the expiration date of the policy.  This coverage is added by endorsement to a Full Mortality Policy.  Some exclusions apply.  Coverages and conditions usually vary from one company to another.

Call an Ark Agency Representative for rates, limits, details, qualification and evaluation requirements, and to choose an Insurer that fits your needs.  We will help you determine which application(s) you should use.

 



 

Optional Coverage Descriptions

Other Commercial General Liability Insurance Related Products & Optional Coverages Descriptions:


Care, Custody and Control Liability Insurance [CCC] (an endorsement or a mono-line policy)

[GENERAL INFORMATION ONLY]  This coverage protects Owner / Operators who engage in the business of having horses in their care, custody and control, that are not owned by them but are owned by third parties, from the cost of damages and legal defense if a non-owned horse becomes sick, is injured or dies and the owner attempts to hold them legally responsible and / or if it is determined that the insured is legally obligated for the loss (claim).  This type of insurance is usually added by endorsement onto the Commercial General Liability [GL] Policy, but it may also be placed as a separate mono-line policy. It is usually offered to operators when they qualify for it and have requested a quote for it on their GL application.

TO APPLY:  When completing your GL application, complete the questions concerning Care, Custody and Control Liability to the affirmative and a quote will be provided as an optional coverage with your GL Premium Indication.  To apply for a separate (mono-line) CCC policy, you will need only to complete a few pages of the GL application that apply to you.


Professional Liability (an endorsement)

[GENERAL INFORMATION ONLY]  This insurance covers equine / equestrian professionals for sums the insured becomes legally obligated to pay as damages due to bodily injury, property damage, personal injury, prize money losses, or loss of value to a horse, to which this coverage part applies caused by a “professional incident” relating to the insured’s errors and omissions in personal professional judgment. This type of insurance may only be added by endorsement onto a Commercial General Liability [GL] Policy and may not be placed as a separate mono-line policy. It is usually offered to operators when they qualify for it and have requested a quote for it on their GL application.

TO APPLY:  When completing your GL application, complete the questions concerning Professional Liability to the affirmative and a quote will be provided as an optional coverage with your GL Premium Indication.


Employee Benefit Liability (an endorsement)

[GENERAL INFORMATION ONLY]  This insurance provides coverage for errors or omissions by the insured in the administration of the insured’s employee benefits plan.  It does not include coverage for liabilities arising out of the statutory obligations created by the Employee Retirement Income Security Act (ERISA).  This type of insurance may only be added by endorsement onto a Commercial General Liability [GL] Policy and may not be placed as a separate mono-line policy. It is usually offered to operators when they qualify for it and have requested a quote for it on their GL application.

TO APPLY:  When completing your GL application, complete the question concerning Employee Benefit Liability to the affirmative and a quote will be provided as an optional coverage with your GL Premium Indication.


Hired and Nonowned Automobile Liability  (an endorsement)

[GENERAL INFORMATION ONLY]  This insurance provides coverage for the policyholder against liability incurred while driving an automobile not owned or hired by the policyholder or resulting from the use of someone else’s automobile on the insured’s behalf, such as an employee using a personal car for the employer’s business purposes.  This type of insurance may only be added by endorsement onto a Commercial General Liability [GL] Policy and may not be placed as a separate mono-line policy. It is usually offered to operators when they qualify for it and have requested a quote for it on their GL application.Clubs and Associations, especially, should give this type of insurance careful consideration because of a club or association’s potential lack of auto insurance.

TO APPLY:  When completing your GL application, complete the question concerning Hired and Nonowned Automobile Liability to the affirmative and a quote will be provided as an optional coverage with your GL Premium Indication.


Personal Accident Insurance (a mono-line policy)

[GENERAL INFORMATION ONLY]  This coverage is a form of medical expense coverage for people participating in the following Insured sponsored horse related activities:  Riding Instruction, Pony Rides, Hourly Horse Rentals, Guides & Outfitters, Horse Drawn Vehicle Rides, Horse Related Camps, Dude Ranches, Horse Related Guest Ranches, and Horsemen’s Club or Association.  This coverage would be a secondary type of coverage.  The participant’s own Accident Medical Insurance would be PRIMARY.  Coverage excludes injuries to riders while hunting, racing on horseback, or participating in rodeos.  Personal Accident Insurance is placed as a separate policy and is not part of a Commercial General Liability [GL] Policy.  It is usually offered to operators and clubs when they qualify for it. 

TO APPLY:  Information will be taken from your GL application and a quote will be provided for Personal Accident Insuranceas an optional coverage in conjunction with your GL Premium Indication.


Directors & Officers Liability [D & O]  (a mono-line policy)

[GENERAL INFORMATION ONLY]  This is a form of Professional Liability Insurance to cover the Directors and Officers of a corporation for mistakes in administering their duties as such, primarily in relation to a money damage claim for a wrongful act – i.e. mismanagement of funds, decision making disputes, etc. Available for both profit and non-profit Companies and Organizations.  D & O Insurance does not provide Bodily Injury and Property Damage Coverage.  D & O Insurance does not replace or negate the need for the Insured’s need for a General Liability Policy.Directors & Officers Liability Insurance is placed as a separate policy and is not part of a Commercial General Liability [GL] Policy.  It is only offered to operators and clubs when they have requested a quotation for it and qualify for it per their completed application.

TO APPLY:  Please call, fax or e-mail an Ark Agency Representative.  Upon request, we will send you a packet of information, an application, and instructions.  The Insurer will require a fully completed application for insurance signed by the president of the organization and copy of its most recent financial statement.  Once approved by the Insurer a quote will be provided to you for Directors & Officers Liability.

 



 

Commercial General Liability Insurance

EQUINE LIABILITY INSURANCE THROUGH NAHA AND HNA RISK PURCHSING GROUP:  
Insure Your Horse Activities for Liability

[GENERAL INFORMATION ONLY]  Commercial General Liability Insurance [GL] protects you when you become legally obligated to pay sums as damages because of “bodily injury” or “property damage” occurring in relation to your insured business activities as stated in your liability insurance policy.  In the event of such an occurrence, the Insurer has the right and duty to defend any “suit” seeking those damages, whether groundless or substantial.  And the Insurer may at its discretion investigate any “occurrence” and settle any claim or “suit” that may result, up to the limits of and within the scope of your insurance policy.  As third party coverage, this type of insurance does not pay the named insured or his or her family members for damages or injuries they may incur.  This type of insurance also does not pay for the damages or injuries incurred by employees, contract laborers, exchange laborers, and volunteers working on your behalf.  Worker Compensation and Employer’s Liability Insurance are not part of a general liability policy.

The NAHA Equine Liability Program is a Safety Control and Risk Reduction Program.  Therefore, all those insured under the program must review and [agree to] comply with the Mandatory NAHA Standards of Operation.  All Insureds must become members of NAHA and HNARPG and participate in the risk reduction support program.  When applying for insurance you must be pre-qualified and can then request a copy of the appropriate Risk Reduction Program that applies to your operations.  The Risk Reduction Programs are not available on this web site.  We will fax, mail, or e-mail them to you and they will be included in your membership kit.

INSURABLE ACTIVITIES / EXPOSURES LIST:

EQUINE OPERATIONS LIABILITY

  • Personal Horses:  Show, Trail Riding, Personal Use
  • Race Horses
  • Horse Boarding
  • Horse Breeding / Stallions Standing at Stud
  • Horse Sales & Leasing, Auctions
  • Equine Products & Retail Sales
  • Horse Training
  • Horse Training Instruction
  • Farriers / Blacksmiths
  • Equestrian Events:  Horse Shows and Clinics

EQUESTRIAN SERVICES

  • Riding / Driving Instruction and School Horses
  • Disabled Riding Programs
  • Pony Rides  (Hand-Led in fenced enclosure or Carrousel)
  • Horse Rental and Trail Rides / Guides & Outfitters
  • Horse Related Camps
  • Camp Horse Activities

SPECIAL SERVICES

  • Equine Assistance Services to Licensed / Certified Therapist
  • Equine Assisted Growth and Development Services
  • Disabled Riding Programs
  • Therapeutic Services for Horses

SPECIAL RISKS LIABILITY

  • Pony Rides  (Hand-Led in fenced enclosure or Carrousel)
  • Horse Drawn Vehicle Rides (City & Rural)
  • Horse Rental and Trail Rides / Guides & Outfitters
  • Horse Related Camps
  • Camp Horse Activities

LESS COMMON ACTIVITIES THAT CAN USUALLY BE INSURED UNDER AN
EQUINE OPERATIONS LIABILITY POLICY:

  • Animal Assisted Growth & Development Services
  • Commercial Mounted Services
  • Equine Grooming Services
  • Equine Prop Set-Up / Photography
  • Horse Facility Rental
  • Horse Program Fee Consultant
  • Pack Horse Services
  • Petting Zoo
  • PMU Farming
  • Public Use Recreational Trails

CARE, CUSTODY & CONTROL LIABILITY

  • Horse Boarding
  • Farriers / Blacksmiths
  • Horse Breeding / Stallions at Public Stud
  • Horse Training

EQUINE PROFESSIONAL LIABILITY

  • Riding Instruction
  • Riding Instructor for the Disabled
  • Equine Assistance Services to Licensed / Certified Therapist
  • Therapeutic Services for Equines
  • Accredited Farriers / Blacksmiths
  • Horse Show Official
  • Horse Trainer
  • Horse Program Fee Consultant
  • Equine Assisted Growth and Development Services

FARM LIABILITY

If you raise plants, crops or farm animals to sell or for personal use, you likely have a farming exposure. If you cannot insure this exposure under your property insurance policy, it may be possible to add it to your Commercial General Liability Policy.                                   

BENEVOLENT or NON-PROFIT HORSE CLUBS AND ASSOCIATIONS

  • Horsemen’s Association or Club
  • Hunt Club or Polo Club or Association
  • Volunteer Mounted Unit or Mounted Search & Rescue
  • Horse Rescue Organizations

SHORT-TERM EQUINE EVENTS

  • Equine Events, Exhibitions & Competitions:  Club / Association Sponsored
  • Equine Events, Exhibitions & Competitions:  Individual or Corporate Sponsor
  • Short-Term Events for Commercial Equine Operations:  Horse Drawn Vehicle Rides, Pony Rides, Equine Prop Set-Up / Photography

 

AVAILABLE CGL LIMITS: 
(Each Occurrence / General Aggregate)   

$     300,000  /  $    600,000
$     500,000  /  $ 1,000,000 
$  1,000,000  /  $ 2,000,000

POLICY FORM: CGL Occurrence Form 

DEDUCTIBLE: None

PREMIUM FINANCING:  Available on most policies.  Not available on seasonal risks.

LOSS CONTROL: This is a safety control / risk reduction program, therefore all risks are required to follow a risk reduction program that is mandated and provided by the North American Horsemen’s Association.

AVAILABILITY: All States;  Insurance for special risks may not be available in some areas and some states.

FAST QUOTATIONS: Quotations can be provided upon receipt of fully completed application.  Faxed and e-mail applications are   accepted.

EXCLUSIONS AND RESTRICTIONS: Some exclusions and restrictions apply.   

SEVERAL COMMON EXCLUSIONS CONTAINED IN THE GENERAL LIABILITY POLICY:

  • Medical Payments to Members Exclusion (Applies to Clubs and Associations)
  • Firearms Possession, Maintenance or Use Exclusion  (Applies to most policies, but usually to certain clubs and some guides & outfitters)
  • Law Enforcement Activities Exclusion   (Applies to most policies, but usually to certain clubs and mounted patrol units)
  • Rodeo Participation Exclusion (Usually applies to sponsors, promoters and managers of  rodeos)
  • Unguided Trail Ride Exclusion  (This program does not insure Unguided Trail Ride Operations)
  • Double Riding Exclusion (Applies to all policies.  Refers to two or more “riders” on the same “horse”)
  • Riders Strapped or Secured onto Saddle or “Horse” Exclusion  (Applies to all policies.)
  • Mandatory Equestrian Protective Headgear Use by Riders Age 15 and Younger Exclusion (Applies to operators of Equestrian (riding) Services)
  • Barbed Wire and Single-Strand Fencing Exclusion  (Applies to all policies)
  • Employee or Volunteer Bodily Injury Exclusion  (Applies to all policies)
  • Canine Exclusion (Applies to all policies.  Dogs should be insured under the owner’s Personal Liability Insurance)
  • Liquor Liability Exclusion (Applies to all policies)

Coverages, Limits, and Policy Conditions vary from one policy to another, depending upon the activities insured and limits chosen.

TO APPLY:  Call an Ark Agency Representative for information about how to apply for insurance and to pre-qualify your operations and activities.  We can help you determine which application and risk reduction programs you should use; however information is provided under Applications on this site.  All equine liability applications are posted on this site.  However, risk reduction programs are not and we will send the correct one to you by e-mail, fax, or mail.  You will be required to complete an application for insurance, review and sign a risk reduction program and provide some photos for underwriter’s review.  Once approved, we will provide a Premium Indication to you.

 

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