Welcome to Ark Agency

Protect Your Horse, Animals, and Property with the Right Horse Insurance Policy for your Needs

Many people insure their animals to protect them from risk. In particular, horse insurance is a common policy that is taken out for various reasons. Individuals might need horse health insurance, horse mortality insurance, horse medical insurance, equine insurance, horse major medical insurance, horse life insurance, horses insurance, livestock insurance, horse liability insurance, horse farm insurance, equine liability insurance, and horse stable insurance. These policies provide protection for your horses, livestock, cattle, activities, and/or horse farm property. Regardless of your insurance needs, Ark Agency is your best choice. We specialize in insuring horses and animals.

Why Ark Agency

Our company has been in the livestock and horse insurance business for more than 33 years. We provide insurance and risk reduction plans to stables, breeders, and farms throughout the entire United States. When you work with us, you will benefit from a person-to-person approach with our services. We will answer all of your questions regarding insuring your horse. All you need to do is call us for a quick quote. We will walk you through the application process.

Beyond Horse Insurance

Sometimes you might need horse insurance for extra things besides your horse activities and your horses. There are additional protection plans that could benefit you including horse farm insurance, horse training insurance, horse riding insurance, and horse riding instruction insurance. There is also insurance for riskier activities.

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When you invest in horse insurance, you are protecting what you value. This protection plan might be needed at some point in the future.

In addition to offering all types of equine and equestrian insurance, our company can also provide you with sheep insurance, cattle insurance, dog insurance, exotic animal insurance, and elk insurance.

Our agency works with experienced and high quality insurance companies that provide superior products. They are great at processing claims and servicing customers. Contact us today to see how we can help you to affordably insure those animals and property that are important to you!

Why You Need Insurance

Welcome to Ark Agency

We all need to insure against losses of that which we value, and against potential personal and business liabilities. Why? 1. Because we cannot afford the potential financial loss. 2. Because we may be required to carry insurance by a financial insitution that holds a mortgage or loan on us, or by an owner, part-owner, or lessor of property we are buying or leasing by contract, or by a third party that allows us to occupy their land for some type of use by us. In some instances, such as the employment of staff, we may be required by state law to carry insurance. 3. Because we wish to act in a responsible way for our futures, for that of our families, and / or to those that we come in contact with, or whom we do business with and who trust us. 4. Peace of mind that comes from knowing we are well-insured.  Read More →

Exotic Animal Life Insurance

Insure The Life of Your Exotic Animals – Elk, Bison, Llamas, Alpacas, Camels FULL MORTALITY & THEFT INSURANCE This is a type of insurance for your valuable exotic animals that is similar to a term life policy on a person.  The Full Mortality policy insures against financial loss due to the death of an insured animal that is caused by or necessitated by both natural and accidental causes. Proven Theft coverage is also included.  The animal is insured while in the Continental U.S. and Canada.  [Read more of this review]  Read More →

Horse-Equine Professional Liability Insurance

Insure Your Horse & Equine Professional Activities for Liability If you are a highly trained, skilled, experienced equine professional, you likely have a professional liability exposure that is not easily insured by many insurance companies.  Professionals who should consider this coverage include:  Horse Riding & Driving Instructor, Riding Instructor for the Disabled, Horse Trainer, Horse Training Instructor, Equine Assisted Services Professional to Licensed / Certified Therapists, Therapeutic Services Provider for Horses, Accredited Farrier / Blacksmith & Assistants, Horse Show Officials and Judges, Horse Program Fee Consultant, Horse Farm & Show Facility Design Consultant, Equine Assisted Growth & Development Services Provider, and Professional Horse Groomer. [Read more of this review]  Read More →

Optional Coverage Descriptions

Exotic Animal Mortality

FULL MORTALITY & THEFT INSURANCE A type of insurance for your valuable exotic animals that is similar to a term life policy on a person.  The Full Mortality policy insures against financial loss due to the death of an insured animal that is caused by or necessitated by both natural and accidental causes. Proven Theft coverage is also included.  The animal is insured while in the Continental U.S. and Canada.   To qualify, your animals must be physically sound and in good health.  A current veterinary certificate of health is usually required. Some age and value restrictions may apply.  Read More →

Horse Photo Prop Liability Insurance

Insure Your Horse Photo Prop Business for Liability Are you a photographer who charges a fee for creating a photo set backdrop, perhaps costuming, and a docile horse or pony that a customer stands beside or sits on for photo shoots?  If so, you have a unique business venture that is sometimes not easy to insure for liability by many insurance companies.  Often the photo concession locations are at fairs, corporate events, pony party and pony ride events, at resorts, and rodeos and horse shows.  This activity is often incidental to a larger horse business and can be insured on an annual basis.  Read More →

Why Insure

5 Tips for Traveling With or Transporting Your Horses

All horses, including the most docile of them, experience stress when traveling. It’s common for horses to suffer from dehydration, exhaustion and even a weakening of the immune system when in transit. A recently shipped horse is more vulnerable than it may appear. In fact, researchers have identified many subtle effects experienced by horses being transported. Here are five tips for traveling with or transporting horses that are based on current knowledge gathered by researchers. As more is learned about the topic, these guidelines could very well change in the future. By taking these stress-reducing measures, you’ll be able to improve upon your horse’s response to the time spent traveling. 1. Keep Your Horse Hydrated To avoid dehydration and to reduce the risk of your horse getting impaction colic, encourage your animal to drink. Because horses don’t like the taste of strange water, you can mask the taste with an additive such as apple juice. Provide this to your horse before transportation, so it won’t notice any change. It’s wise to offer your horse water at each stop or at least every four hours. Even though it is common for in-transit horses not to drink during the first eight or so hours, you should still offer your horse water. Some people like to pacify traveling horses with hay to help retain water in the gut. It should be noted that hay dust could blow directly into a horse’s respiratory tract in some trailers; however, wetting the hay can do away with this dust. 2. Get Your Horse Accustomed to Loading and Traveling Putting your horse in the trailer is the most stressful part of the entire traveling experience, and it’s also when your horse is more prone to becoming injured. Therefore, it’s advantageous to get your horse familiar with loading and transit. By loading your horse on the trailer every so often and taking short trips around your area, your horse will become more familiar with the entire experience of loading and traveling, and thus, it will feel far less stress. 3. Allow Your Horse to Lower Its Head When you tie your horse in the trailer, give it enough rope so that it can lower its head but not too much to get tangled in the rope. Your horse needs to lower its head to clear the lungs and sinuses to prevent respiratory problems. Elastic trailer ties do a better job than solid ones, as horses tend to stay calmer when tied in a trailer. Also, be sure you use a good strong halter. 4. Be Sure the Trailer is Spotless It’s very important that you keep the trailer very clean and properly ventilated because ammonia can negatively affect your horse’s respiratory system. Be sure to clean the trailer out at each stop using a stall fork. Unless you are traveling when it’s extremely cold or rainy outside, the risk of your horse getting too cold is minimal, so leave air vents and windows open. If you’re concerned that your horse will get too cold, blanket the animal instead of closing vents and windows. 5. Be a Considerate Driver Even though there have been no major studies done on the effects of driver technique on transported horses, experts agree that a slower, steady pace is better than driving fast or erratically. Remember that your horse has to exert energy to keep its balance while on the road, so think of how you’re making turns and taking curves.  Read More →

Protect Yourself, Your Trainer & Your Horse

Horses are truly magnificent animals that can provide an owner and their family, friends, or clients with endless hours of fun, adventure, and companionship. Yet despite being fairly docile in nature, horses are still very large animals, and thus pose an inherent risk to themselves and those around them. Most often, horse-related injuries occur when those who aren’t familiar with the behavior of the animal conduct themselves in way that either frightens or threatens the horse. Yet that’s not to say that even the most experienced horseman isn’t immune to an accident, which can often result in serious injuries to both the horse and the trainer. For this reason, we here at Ark Agency strongly recommend investing in both horse trainer insurance and horse medical insurance. Horse Training – A Risky Business Your trainer will be around horses more than anyone else during its early learning stages. It’s during that time that accidents are most likely to happen, as the animal is still getting accustomed to being around people, being led or saddled, and carrying riders. Your trainer puts himself/herself at great risk every time he/she steps beyond the fence. Many owners often think that their homeowners or farm insurance will cover any injuries sustained by a trainer during an accident, only to find out later that’s not often the case. Investing in a policy that includes horse trainer insurance helps to protect you in the event of such an accident. Protect Your Animal Trainers aren’t the only ones at risk when a horse accident occurs. More often than not, it’s the animal itself that sustains the most damage in an accident. The costs of veterinary expenses can be astronomical, especially with large animals like horses. A horse medical insurance policy helps cover these expenses from events such as: Riding/competition accidents Sickness Corralling (i.e., becoming entangled in fencing, injuries sustained while trailering) Without insurance protection, the potentially enormous medical expenses from these accidents could easily result in the loss of your animal. Don’t be caught unprepared in an accident involving your horse and trainer. Without an adequate horse trainer insurance and/or horse medical insurance policy, you risk having to cover the potentially huge expenses associated with a horse-trainer injury yourself. Allow us at Ark Agency to outfit you with the protection you need to help ensure both your horse and your trainer’s safety and security.  Read More →