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
Riding and driving instructors
Horse show judges and officials
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:
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 →
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 →