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ChartierFAQ

Equine
Insurance

Contact our office at 817-616-4457 and speak with a licensed equine insurance agent. You will need to provide the following information below to obtain a quote and start coverage on your horse. An agent will provide a quote over the phone and explain the available coverages and application process.

  • Horse’s Name
  • Age
  • Breed
  • Sex
  • Specified Use (i.e. rope horse, barrel racing, pleasure, trail, cutting, etc.)
  • Purchase Price
  • Purchase Date
  • Contact Information (mailing address, phone number, and email address)

Vet Exam’s are required on the following risks:

  • Horses valued $150,000.00 or greater
  • Horses the age of 16 years to 20 years old
  • Foals under 30 days old with IGG tests results included
  • Horses with previous history of illness or injury
  • If purchased within the last 12 months, the established value is the purchase price paid for the horse.
  • If purchased over 12 months ago, we can establish a value based on the purchase price and include the following to justify a value above the purchase price.
    • ½ of your training expenses (paid the previous 12 months) through the age of 5
    • Money, points, and any titles earned the previous 12 months
  • If home raised, we could consider the following to establish the horse’s value:
    • 3x the stud fee paid
    • Performance record
    • Average sale price of full siblings
    • If unshown and in training, we can include
      • ½ of their monthly training fee (excluding hauling fees, vet fees, entry fees, farrier fees, etc.) for up to 3 years through the age of 5.

Foals can be insured when they are 24 hours old, and horses through the age of 20. Note, a vet exam with IGG test results is required to insure a foal under 30 days of age.

If you purchased the colic, surgical, or major medical endorsement vet bills can be reviewed for reimbursement. The condition must have first manifested and occurred during a covered policy term for coverage to be provided. Routine maintenance, deworming, vaccinations, joint injections, cosmetic procedures, castration/spaying, elective procedures, congenital conditions, and preexisting conditions are not covered.

The equine mortality policy provides an Emergency Colic Surgery benefit on each qualifying horse at no additional cost to you. The limit depends on the insured value of the horse. 

  • Horses valued < $25,000 receive $3,500 free colic surgery
  • Horses valued > $25,000 receive $5,000 free colic surgery

Please be advised, if the horse has suffered from a medical colic, surgical colic, impaction, or torsion in the past 12 months prior to the effective date of coverage, this coverage will not apply.

We offer direct bill annually, semi-annually, or quarterly payment options. Credit card and ACH payments are accepted.

Your horse is covered anywhere in the continental United States or Canada.

If purchased outside the continental United States or Canada, coverage can be purchased with underwriting approval. We will need to know the location of the animal and when it will be imported into the USA.

Yes, prospective foal insurance covers an unborn foal in utero for the length of the pregnancy until it’s born, plus an additional 7 days, 45 days, or 1 year after birth depending on which coverage option is selected. Rates are quoted on an individual basis, and the mare must be a minimum of 42 days in foal from the date she was last bred.

If your horse has the guaranteed renewal endorsement, and you report the health issue to the company during the policy term, your policy will be renewed with no reduction in value. Note, a medical exclusion may apply depending on the condition.

It is a condition precedent to any liability by us under the Policy that, in the event of any loss, accident, injury, illness, lameness condition or lameness injury, disease, or physical disability of any kind of or to a “horse,” you do each and every one of the following or have it done by another:

  1. As soon as reasonably possible, and at no expense to the company, employ a “qualified veterinarian” to provide medical care to the “horse”;
  2. Give notice as soon as reasonably possible to us of the accident, injury, illness, lameness condition or lameness injury, disease, or physical disability of any kind. Such notice should be given by telephone to us at (833) 378-4632, and must include:

    (a) A description of the accident, injury, illness, lameness condition or lameness injury, disease, or physical disability and

    (b) The name and contact information of the “qualified veterinarian” caring for the “horse”;

  3. Use all reasonable means possible to save the life of the “horse”.

If your vet is recommending humane euthanasia, you or the person (i.e., trainer, boarding facility, etc.) in the care, custody, or control of your horse must receive authorization from the company’s claim representative prior to euthanasia. 

In the event of the death or “authorized humane euthanasia” of a “horse”, arrange for a “qualified veterinarian” to perform a “necropsy” at no expense to the company prior to burying or disposing of the animal.

Farm & Ranch
Insurance

If you own a property with horses, cattle, or other livestock on it whether used personally or commercially, a farm insurance policy is highly recommended. A standard homeowner’s policy does not cover farming or equine-related activities, including personal horses, boarding, training, or riding lessons. A properly written farm policy can provide crucial protection against various risks, including livestock loss, property damage, and liability issues that could arise from your farming activities.

Yes, it protects your dwelling, household contents, farm buildings, equipment, tractors, and other property from damage or loss caused by fire, storms, accidents, or other perils. Each individual home, barn, outbuilding, tractor, or piece of farm equipment must be scheduled and listed on the policy for coverage to apply.

Auto insurance is available if you have a supporting farm and ranch policy.

You need a general liability policy covering your commercial equine exposures. In addition, we recommend endorsing the general liability policy to include equine care, custody, or control coverage. As a trainer, it’s important to understand your liability when it comes to the horses in your care. A standard general liability policy typically excludes personal property, which includes horses you’re looking after. This means that if you train, board, or breed horses, you’re legally responsible for their well-being, and having the right liability coverage is essential.

Care, Custody, and Control (CCC) insurance is designed to protect you against financial losses related to the horses you care for. It covers situations where you may be legally required to pay for damages, such as if a horse gets injured while being worked or if there’s an incident due to employee negligence. It’s important to note that CCC covers incidental transportation of horses as part of your boarding, training, or breeding operation. However, if you haul for a fee and the horses are not normally in your care, then coverage is excluded.


Some common scenarios that can lead to a CCC claim include a horse getting injured during training, a gate accidentally left open, or a horse suffering an injury while being transported. Having the right coverage can help protect you from these unexpected situations and give you peace of mind as you handle the responsibilities of caring for other people’s horses.

No, employees are specifically excluded. To protect against this exposure a Worker’s Compensation policy is recommended, as it covers both the employee and employer. Workers’ Comp provides coverage for employees from workplace injuries and occupational diseases. Workers’ Comp fully covers employees for their medical expenses, including hospital, surgeries, pharmaceutical expenses, and rehabilitation. Part Two of a Workers’ Comp policy, also known as Employer’s Liability insurance, provides coverage for an employer if an employee sues them for a work-related injury or illness, but the claim is not covered under the standard workers’ compensation laws. This section essentially covers the employer for potential legal liabilities beyond the basic workers’ compensation benefits.

Yes, a liability waiver that includes a hold harmless agreement is required by most equine liability insurance providers. It’s a good risk management practice, and it can provide significant protection for trainers and barn owners, but their effectiveness is contingent upon proper formulation and execution. Here are three critical points to consider when implementing a waiver:

1. Proper Wording: Waivers must comply with state-specific legal requirements. Inadequately drafted documents may be unenforceable in court.

2. Correct Signatures: Only parents or legal guardians can sign waivers on behalf of minors. Failure to adhere to this requirement can invalidate the waiver.

3. State Laws: Some jurisdictions have statutes that limit the enforceability of waivers, making them ineffective in certain situations.

Please note that the Chartier Agency does not render legal advice. To ensure that your waiver(s) are legally sound and offer the intended protection, we advise that you consult with an attorney who specializes in this area of law.