The Farrier Program is designed to respond to the specific insurance needs of the professional farrier. Legal cases against farriers are on the rise as technology and information increases to identify the cause of lameness, laminitis, improper hoof angles and/or using pads improperly – more horse owners are likely to point the finger at the farrier when things go wrong. Attorney costs alone could bankrupt a small business; add on veterinary costs and the value of the animal can put all the farriers business, and personal, assets at risk.
General liability: (including legal defense costs) on an occurrence form up to limits of $300,000 CSL, $500,000 CSL or $1,000,000 CSL.
On and off premises: protection against claims made and legal judgements rendered against you and your business due to bodily injury or property damage caused by your farrier activities, regardless of where the claim occurred (claims by employees are not covered).
Completed operations: coverage for claims and legal judgements due to bodily injury or property damage caused by work you have performed. For example: a shoe comes off two or three days after it is put on, resulting in injuries to the horse and rider.
Care, custody and control liability: standard limits of $5,000, $10,000 or $25,000. This important benefit picks up coverage for injury to any non-owned horse as a result of your negligence as farrier while the horse is in your care, custody and control.
Equipment and supplies floater endorsements can be added : standard limits of $1,000, $2,500 or $5,000 with a $500 deductible per claim. This coverage provides protection for loss or damage to your transportable inventory of horse shoes, tools and supplies that are used in connection with your farrier practice. Theft is covered but please refer to the policy for specific details on other causes of losses. Download Farrier Application here
Asset Equine & Ranch Insurance Agency
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P.O. Box 185 Pilot Point, Texas 76258