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Equine Insurance

We have attempted to define LSI’s contribution to performance horse enthusiasts in a single word. Since we offer horse, farm and ranch coverage worldwide, the word could be protection. But the question lingered, don’t we provide more than asset protection? After all the horse is the living, breathing passion of our clients, not an asset.

The horse business is about passion. It’s our lifestyle choice. Our bond between us. We gather at horse shows, farms, ranches and barns. Together we encourage, compete, train, groom, own, sponsor and volunteer. The word we settled on to define Lisa Seger Insurance is Source, your partner within our community.

LSI supports the USA and international horses and operations as insurer, sponsor, consultant, spectator and exhibitor. In association with Markel, we partner with the USEF, USHJA, AQHA, NRHA, AAHA, GDCTA, Cornerstone Event Management and Blenheim Equisports. Because of its depth of experience, LSI is ideally positioned to deliver as Your Horse, Farm & Ranch Source

Contact us to discuss our insurance and risk assessment service that evaluates horse, property and liability exposures and risk prevention measures.

Hassle Free Application (Lisa / Pagan)

This basic policy reimburses you for death, theft or humane destruction of a covered horse. A veterinary certificate is not required for horses that are valued up to $50,000, between the ages of 91 days and 15 years old and have a clean bill of health. Note: Race horses, Tennessee Walkers, Racking, Miniature horses, Paso Finos, Peruvian Pasos, Draft and Halter Show horses or Halter Breeding Stock are not eligible. Contact our office for additional information regarding these programs.

Standard Application (Lisa / Pagan)

If the Hassle Free Mortality & Theft program does not apply to your horse, our Standard All-Risk Mortality & Theft policy can provide you the same great protection at an affordable price. To obtain a quote, you must complete the Standard All-Risk Mortality & Theft application and provide a current veterinary certificate of examination.

Optional coverages, which can be added to your Mortality policy:

  • Medical/Surgical: Covers the cost for medical/surgical treatments due to accidents, illness or injury. Our medical/surgical plans allow you to choose an option that suits your budget. See application form for details.
  • Personal Liability: Protects you against legal claims should your horse cause bodily injury or property damage to a third party, on or off premises, even when horse is kept at an independently owned facility. Costs just pennies a day!

Substantiation of Value
Substantiation of Value - Leased Horse

Veterinary Certificate of Examination
Declaration of Health

Commercial Equine Liability
If you are actively involved in training, teaching riding lessons, boarding, breeding, racing, or selling horses as a business, this insurance protects you against third-party liability lawsuits for bodily injury/property damage. We also offer Professional Liability coverage for riding instructors and independent trainers.

Care, Custody and Control
If you board, train or breed horses owned by others, Care, Custody and Control insurance specifically covers legal liability resulting from injury, sickness or death of horses in your care as well as the cost of defending subsequent lawsuits should you be claimed to be negligent.

Equi-Farm Package
If you own a horse farm, this package combines property and liability insurance.

Equine-Farm Workers Compensation
Provides compensation for Equine-Farm employees for work-related injuries or illnesses, including medical care, wages from lost work time and more. Please contact our office for information.

Private Horse Owner Liability
If you own horses but do not operate a commercial equine business, our Private Horse Owner Liability insurance will protect you against legal claims if your horse causes bodily injury or property damage to a third party, on or off premises.

Commercial Umbrella/Excess Liability
The Farm and Ranch/Excess Liability insurance is available to individuals, partnerships or other organizations that already have an underlying policy with LSI. Its purpose is to protect the insured over and above the liability limits of a farm, personal or auto policy. Farm and Ranch Umbrella/Excess Liability insurance provides liability damages arising from claims of bodily injury or property damage of others resulting from the insured’s equine activities and related operations.

Horse Clubs & Associations
Horse clubs need protection should a lawsuit arise. Our liability policy can provide protection clubs need for owned or leased premises, public event days, and various club functions.

Coverage Highlights:

  • Limits of $300,000 to $1 million available
  • General Liability Aggregate limits are 3 times the liability per occurrence limit
  • All club members are protected if a suit arises from a club activity
  • Products/completed operations included
  • Fire Legal liability and medical payments
  • Spectator liability included
  • Volunteers included as additional insureds
  • A farm package can be written for clubs owning property
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