Farm and Ranch owners have a different lifestyle than other businesses, which translates into unique insurance needs. Traditional coverage may not adequately respond to those needs. Travelers Agribusiness can help insure this special way of life for virtually all horse farms and ranches, whether you own a small hobby farm or a large training center. We will work with you to design the appropriate coverage at the best price. Travelers customers can expect excellent service from their dedicated Agribusiness underwriters, risk control specialists and claim handlers.
The Farm & Ranch policy from Travelers Agribusiness offers a broad range of coverage options in a modular format that allows you to choose the coverages right for you at a very competitive price. With more than 150 years of experience and consistently strong financial ratings, Travelers is one of the nation’s premier insurance companies – a reassuring position of strength.
Standard Policy Coverages
- Coverage A – Farm Dwelling
- Coverage B – Other Private Structures
- Coverage C – Household Personal Property
- Coverage D – Additional Living Expense
- Coverage E – Scheduled Farm Personal Property
- Coverage F — Blanket or Unscheduled Farm Personal Property
- Coverage G — Other Farm Structures
- Liability Coverages
- Additional Coverages (included at no extra cost)
Optional Coverages
- Agri Plus II Endorsement
- High Value Dwelling Coverage – provides broad coverages to address the needs of homes valued over $1,000,000
- Identity Fraud Expense coverage
- Disruption of Farming Operations
- Higher limits for transportation coverage
- Extra expense you incur to resume normal operations interrupted after a covered cause of loss
- Computer coverage endorsement
- Enhanced pollutant cleanup endorsement (increased limits ranging from $25,000 to $100,000) coverage applies on or away from insured premises if the discharge is caused by collision, upset, or overturn or a vehicle or its trailer
- Extra expense and business income coverage
- Watercraft hull coverage
- Agricultural machinery rental reimbursement
- Sump overflow and water backup from sewers and drains
Special Coverages for Horse Owners
- Equine Property Endorsement
- Stable Liability
- Equine Professional Liability
- Care, Custody or Control Liability
- Excess Liability Coverage
Eligibility
This package is available to most forms of legal ownership within forty-six approved states and the District of Columbia (not offered in Alaska, Florida, Hawaii and West Virginia) , and may be occupied by the owner, tenant or a co-owner with a 50% or more financial interest in the venture. Commercial operations may include any of the following:
- Individual Horse Owners
- Race Horse Owners & Trainers **
- Boarding **
- Riding Instruction
- Training **
- Breeding **
- Private Lessons
- Clinics
- Horse Sales
- Horse Shows
- Horse Clubs
** Care, Custody or Control may be added if necessary.
Get More Information
- Travelers Farm Application (private and commercial farms)
- Commercial Equine Supplement (commercial farms)
- Care, Custody or Control Supplement (commercial farms)
- Contact us to fax or mail an application to you.
This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy. For an actual description of all coverages, terms and conditions, refer to the insurance policy. Coverages are subject to individual insureds meeting our underwriting qualifications and to state availability.