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.
Application (Lisa Seger / Pagan Gilman / Josh Mullins)
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. To obtain a quote, you must complete the 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.
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.
- 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
- 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