Protecting Your Passion: Why Horse Health and Business Insurance Matters

At The Scramlin Agency understands how crucial it is for horse trainers and riding instructors to maintain their horses' health. Even the most docile, well-trained horses can suffer injuries or fall ill, which is why having horse surgical and major medical insurance is so important. Not only should you ensure your own horses are covered, but you should also encourage your clients to protect their equine friends as well.

In the unfortunate event that one of your horses develops a serious health issue or gets injured, veterinary bills and surgical costs can pile up quickly. Horse surgical and major medical insurance helps offset these expenses, ensuring your horse receives the necessary care and treatment without draining your finances. Knowing you're covered gives you peace of mind, allowing you to focus on what you do best—caring for your horses and clients.

Insuring Your Business

We emphasize the importance of business equine liability insurance for horse trainers, boarding facility owners, and riding instructors. This type of insurance is tailored to your specific equine-related activities, whether you're involved in training, riding instruction, boarding, racing, or horse shows. Professional Liability coverage can also be included to provide comprehensive protection. This is all typical with a farm owner policy package.

Equine liability insurance safeguards you against lawsuits stemming from bodily injury or property damage. Even with signed liability waivers, you can still be sued. This coverage handles legal costs and pays claims up to your policy limits, protecting you and your business from financial ruin.

The Consequences of Being Uninsured

Imagine a client suffers a serious injury and claims your negligence caused it. Without liability insurance, you would be responsible for all legal fees and any damages awarded. These costs can reach tens of thousands of dollars, potentially ending your career and jeopardizing your financial stability and future. One lawsuit is all it takes to make or break your profession.

It's Not Worth the Risk

Some horse trainers and instructors believe they don't need liability coverage, but accidents can happen to even the most careful professionals. Horses can be unpredictable animals. Whether you're teaching riders or training horses, you need liability insurance to protect yourself and your business in case something goes wrong.

If someone gets seriously injured or if your horses damage someone else's property, having the right insurance will make a world of difference. The insurance specialists at The Scramlin Agency are here to answer any questions you may have. We understand that horse insurance can be confusing, and we recognize that every equine professional has unique needs. That's why we go above and beyond to find the right coverage for you, whether you're a seasoned trainer or just starting out in the horse-riding instruction business.