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.

Contact Us

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!

Blog

Top Three Reasons to Invest in Equine Insurance

Owning, raising, or showing horses is an incredible opportunity. These creatures can become great companions, sources of income, and providers of joy and adventures. However, it is very important to protect horses, their owners, trainers and riders with one or more equine policies. While many different plans are available, each type will endeavor to provide secure financial protection in case of injury or damage to the horse, property and humans coming in contact with them. 1. Protect Horse Health With Medical Insurance Unfortunately, even the most experienced, tame, and well-trained horses are susceptible to injury. These can occur during travel, time in a corral with other horses, or in show rings. Horses are also subject to illness and medical complications. Due to the high cost of treating horses, it is imperative that horse owners purchase medical insurance to defray the costs of medical expenses and alleviate the risk of losing their animal. 2. Keep Trainers in Good Hands Keep your trainer in mind should he or she become injured. When you bring your horse to a trainer, consider that you can be liable for injuries they may incur when working with your horse. Let’s say that you forget to tell your trainer about a dangerous habit, and the trainer is injured because of this. This is but one example. Many horse owners are under the impression that their farm or personal liability insurance will protect them against such incidents, those policies may be limited and not do so. It is critical for horse owners to know for certain their horse liability insurance protects them when a horse is in training, at shows, on the trail, at home and away from home in all the U.S. and Canada. 3. Protect a Professional Career The field of equine professionals is vast, encompassing a great variety of jobs. Anyone working in the equine field needs to invest in professional liability insurance. Many of these professions include: Instructors for disabled riders Horse therapy providers Equine Assisted Growth & Development Services Accredited farriers Horse groomers Riding and driving instructors Horse show judges and officials Horse trainers It is important to note that most professional liability insurance does not take the place of general liability, but instead compliments the coverage. Acquiring the proper horse insurance is a critical step towards protecting the animals, owners, and anyone who comes into contact with these beautiful and powerful creatures. For even the most gentle and trained horse can become unexpectedly injured or cause injury to others. Individuals in need of equine insurance can contact Ark Agency, a provider of animal insurance, at 800-328-8894.  Read More →

Carriage Ride Insurance: Why You Need It

Horses and carriages evoke an image of yesteryear that most people enjoy. If you run a carriage business where you provide people with horse-drawn carriage rides, you should definitely have carriage ride insurance. While the typical carriage ride is fun and relaxing, unfortunately something things happen that we cannot anticipate. Even the most docile horses can become startled by all types of distractions wherein accidents can occur that could result in injuries to your passengers and/or injuries to people in the nearby vicinity. Whether you provide wagon rides for children’s birthday parties or romantic carriage rides to newlywed couples, it’s imperative that you have insurance for your horse drawn vehicle. Since carriage rides typically involve multiple passengers and often bystanders in the cases of festivals, fairs and parades, there are liability risks all around. It’s a widely known fact that horses can act in an unpredictable manner at times and more so when they’re in busy areas. This means you should also be aware of the fact that property damages can occur if some type of accident were to take place. Common Types of Claim Incidents Some of the most common types of claim incidents involving horse drawn carriages are: Passengers becoming injured when getting into or out of a horse drawn carriage or wagon. Passengers becoming injured by falling out of or jumping from carriages. This even includes the damage or loss of personal items during this type of accident. The horse becoming spooked wherein it runs away frightened, doing damage to vehicles, buildings, lawns or other types of property. A bystander comes too close to a horse wherein he/she is bitten, kicked or stepped on. While on a roadway, the carriage comes too close to a vehicle to cause damage to that vehicle. People tend to be fascinated with horse drawn carriages and wagons. While you are enjoying providing horse drawn carriage or wagon rides, the team here at Ark Agency wants to be sure you are covered by insurance so you can continue doing what you love. How Carriage Insurance Protects You If you are sued because of an incident involving your horse and/or carriage, court costs and attorney fees can quickly skyrocket out of control, adding up to tens of thousands of dollars. This high expense is nothing you want to come out of your own pocket, so it’s important to have insurance coverage to protect yourself. Carriage insurance will also cover claim/settlement costs wherein it will pay for bodily injury and property damage claims for which you are held responsible. Few insurance companies provide special risks liability insurance on a package policy for higher risk activities such as horse drawn vehicle rides. However, Ark Agency can usually coordinate your policies and place your property coverage through one insurer and liability coverage through another. Or, we can provide you with commercial liability insurance wherein you can obtain the property coverage you need elsewhere. We’ve been providing high quality insurance and risk reduction services in all 50 states for longer than three decades. Give us a call today so we can help you choose the right type of insurance that will provide you with the protection you need for your peace of mind.  Read More →

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 →

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 →

About Horse Insurance

Since we’ve been in the Horse insurance business for over 30 years we understand our specialty and the need to price insurance products for long term stability. The right pricing is necessary so that our insurers and we will be there for you, not just for today, but also 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 horse insurance or insurance for livestock you will find that many insurers do not understand your unique situation, some coverage’s 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!  Read More →

Why Insure

Top Three Reasons to Invest in Equine Insurance

Owning, raising, or showing horses is an incredible opportunity. These creatures can become great companions, sources of income, and providers of joy and adventures. However, it is very important to protect horses, their owners, trainers and riders with one or more equine policies. While many different plans are available, each type will endeavor to provide secure financial protection in case of injury or damage to the horse, property and humans coming in contact with them. 1. Protect Horse Health With Medical Insurance Unfortunately, even the most experienced, tame, and well-trained horses are susceptible to injury. These can occur during travel, time in a corral with other horses, or in show rings. Horses are also subject to illness and medical complications. Due to the high cost of treating horses, it is imperative that horse owners purchase medical insurance to defray the costs of medical expenses and alleviate the risk of losing their animal. 2. Keep Trainers in Good Hands Keep your trainer in mind should he or she become injured. When you bring your horse to a trainer, consider that you can be liable for injuries they may incur when working with your horse. Let’s say that you forget to tell your trainer about a dangerous habit, and the trainer is injured because of this. This is but one example. Many horse owners are under the impression that their farm or personal liability insurance will protect them against such incidents, those policies may be limited and not do so. It is critical for horse owners to know for certain their horse liability insurance protects them when a horse is in training, at shows, on the trail, at home and away from home in all the U.S. and Canada. 3. Protect a Professional Career The field of equine professionals is vast, encompassing a great variety of jobs. Anyone working in the equine field needs to invest in professional liability insurance. Many of these professions include: Instructors for disabled riders Horse therapy providers Equine Assisted Growth & Development Services Accredited farriers Horse groomers Riding and driving instructors Horse show judges and officials Horse trainers It is important to note that most professional liability insurance does not take the place of general liability, but instead compliments the coverage. Acquiring the proper horse insurance is a critical step towards protecting the animals, owners, and anyone who comes into contact with these beautiful and powerful creatures. For even the most gentle and trained horse can become unexpectedly injured or cause injury to others. Individuals in need of equine insurance can contact Ark Agency, a provider of animal insurance, at 800-328-8894.  Read More →

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 →

Horse Rescue

Insure Your Horse Rescue Activities for Liability Horse Rescue is a highly unique activity which is usually carried out by a benevolent non-profit organization, foundation, or entity, but sometimes by an individual.  [We’ll refer to it here as “Rescues” or “The Rescue”] The Rescue provides or facilitates’ shelter, rehabilitation, and re-homing of abused, abandoned, neglected or surrendered horses that come into their care.  Circumstances of acquisition vary, but some horses are voluntarily surrendered when the owners can no longer take care of them, and some are seized through legal proceedings because of improper care and poor condition from owners by agencies such as Animal Control, Animal Authority, County Sheriffs Department, State Bureau of Animal Protection, etc.  Horse Rescues do not usually have any legal authority to investigate or intervene in animal abuse cases.  For protection from liability, it is best if The Rescue is also not involved in assessments of animals that are seized. Those that may be involved with intervention, investigation, and conditions assessment are not insurable under Ark Agency’s liability insurance program.  Read More →

Care Custody and Control Liability Insurance

Do you have horses in your care that are not owned by or leased to you?  If you handle, train, service, care for, or board non-owned horses, you have a Care, Custody and Control Liability (CCC) exposure.  Liability insurance is available for this and you should carefully consider your need for this insurance protection.  You could be held liable by the horse’s owner or insurer for the value of the horse, plus veterinary and surgical expenses.  You may also require costly legal defense if sued.  This type of coverage insures you against financial loss if a non-owned horse in your care becomes sick, injured or dies and the owner (of their insurance company) attempts to hold you responsible for the loss because of your negligence.  This coverage also provides legal defense whether a case against you has merit or not. TO APPLY:  When completing your General Liability application, complete the questions relating to Care, Custody and Control Liability, and a quote will be provided as optional coverage along with your GL Premium Indication.  You may also apply for a separate (mono-line) CCC policy. apply.  Read More →