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We offer a wide range of insurance products to meet your needs. We work almost exclusively with "A" rated and admitted companies to provide you with the most comprehensive package for your situation.
We are pleased to offer the Ranch, Liability and Mortality Programs of American Equine Insurance Group.
Photo Credit: Avalon Photography
Ranches, Farms and Trainers
Commercial Equine Liability
We Provide Commercial Equine Liability Policies with or without Care, Custody & Control for Trainers, Stables, Breeders & Dealers and Clinicians.
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Portable policies - your coverage can move with you.
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Limits run from $300,000 to $10,000,000.
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Therapeutic riding program coverage - and we can work with your PATH requirements.
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Program available in Arizona, California, Colorado, Nevada, Oregon, and Washington.
Farm / Ranch Package
Our Farm and Ranch packages are top notch and include all your property and liability needs.
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Care, Custody & Control can be included where applicable.
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Business Auto can also be added in most cases.
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Payment options vary.
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Excess Liability over $1,000,000 limit is available.
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Available in Arizona, California, Colorado, Nevada, Oregon, and Washington.
Stable Workers' Compensation
We can write your Worker’s Compensation for most types of businesses in California, Nevada and Oregon.
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Available for Stables and Trainers with admitted carriers.
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Brand new or hiring your first employee? We can help.
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Currently have coverage? We will require hard copy loss information from your carrier to quote.
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Broker for California's State Compensation Insurance Fund.
Horse Mortality -
We offer a full line of equine mortality coverages through A rated carriers.
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Phone quotes available.
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No vet check required on most horses valued under $100,000.
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Coverage can be bound immediately via fax/email & ePayment.
Personal Horse Owner's Liability
If you own horses that are solely for your own personal show or pleasure use, you may obtain liability insurance to protect you in the event your horse causes bodily injury or property damage to someone else.
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Policies to cover all your horses, starting as low as $150/year for $300,000 in coverage.
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Higher limits available upon request.
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Additional insured as required (additional fee)
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Does not cover leased horses - call for an application for a leasee.
NOTE: Many stables are now requiring proof of this coverage as a condition to board there. While some homeowners insurance can extend your personal liability to cover actions of your personal horses on or off premises, many don't - and none will allow you to name an additional insured, such as the facility at which you board.
Horse
Owners
Equestrian Organizations and Clubs
Riding Clubs & Organizations
Our riding club policy includes your first seven public event days and up to 100 members starting at $500 per year.
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Add events or additional insureds at any time during the year.
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All event days include a set up & take down day at no extra charge.
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Custom programs can be designed to meet your specific needs.
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Protects for third party liability claims related to club activities.
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Fidelity Bonding and Crime Insurance for facilities and organizations is also available.
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Available in Arizona, California, Colorado, Nevada, Oregon, and Washington.
NOTE: this is not Directors and Officers Liability Insurance; D&O Insurance is a separate policy. See below.
Directors & Officers Liability
This protects your board members, directors and officers from suits brought by members or third parties for their actions as directors & officers.
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Coverage available for all for profit and nonprofit companies and organizations.
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Can include Employment Practices Liability and Fiduciary coverage if desired.
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Available in Arizona, California, Colorado, Nevada, Oregon, and Washington.
Contact us for more information >>
Equine Event and Show Managers Liability
Commercial Liability is available for event or horse show managers on a per event basis or for complete season coverage.
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Covers most equestrian event types, including horse shows, demonstrations and parades.
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Annual policies can include premises liability for permanent show offices, business personal property for your office equipment, buildings you own or portables you lease, and hired & non-owned auto liability.
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Fidelity Bonding and Crime Insurance for facilities and organizations available.
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Available in Arizona, California, Colorado, Nevada, Oregon, and Washington.
Pony Rides, Carriage Rides, Rentals, Outfitters & Guides
We can insure these businesses for those operators who are willing to work with a safety plan:
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Petting zoos with domestic type or farm animals
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Pony rides or picture ponies.
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Carriage ride operators can also be covered for Parades and Demonstrations.
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Hourly guided trail rides, overnight pack trips and dude ranch coverage - either liability only or in a buildings and equipment package.
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Available in Arizona, California, Colorado, Nevada, Oregon, and Washington.
Equestrian Events
Business Fire and Flood
Dwelling Fire Coverage for Rental Properties
If you have a rental property, you know how difficult it can be to insure it these days. We can insure your rental properties with 1-4 units on a dwelling fire policy. This includes condominiums held for rent as well (DP-4).
Available in Arizona, California, Colorado, Nevada, Oregon, and Washington.
Contact us for more information >>
Flood coverage for Your Business
If you are in a Flood Zone A, you are carrying this coverage already at the requirement of your lender. Move your current policy to us for convenience of servicing easily - rates for Flood Insurance are set by the Federal Government and are the same for all carriers.
If you are not in Flood Zone A, you may want to consider this coverage for your specific location.
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Is there a waterway nearby that could overflow its banks? Is there the possibility of rising water from any source?
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Flood is a standard exclusion on all homeowners, ranch and business policies.
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Coverage for water damage from flowing or rising waters or mud can be covered under a flood policy easily and rates can be quite reasonable for properties not in Flood Zone A.
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Available in Arizona, California, Colorado, Nevada, Oregon, and Washington.
Business and Commercial Insurance
We are pleased to now offer a variety of business policies for your operations:
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Business Owners Policies, Commercial Package Policies, Monoline General Liability, Business Auto, Workers Compensation, Products Liability, Landlord Packages, Vacant Building Coverage, Directors & Officers Liability, Employment Practices Liability, Aviation Insurance, Apartments and Condo Complexes, Bed and Breakfasts up to 12 rooms and more.
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Available in Arizona, California, Colorado, Nevada, Oregon, and Washington.
Dog Trainers & Dog Groomers
A Business Owners Policy for most Dog Trainers, Groomers and Kennels (including mobile services or multiple locations.)
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Trainer coverage is for obedience, working dog, or competitive training. Dog breeders and trainers of guard or attack dogs cannot be covered.
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A range of business packages available for kennels, boarding and grooming.
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Demonstrations, buildings and business personal property and equipment.
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Separate events policy available - such as for dog trials and shows
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Available in Arizona, California, Colorado, Nevada, Oregon, and Washington.
Recreational and Sports Insurance
Top notch coverage from A Rated carriers for many types of recreational and sports operations, including:
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Gymnastics Clubs & Programs, Dance and Martial Arts Studios, Sports & Fitness Instructors, Sports Camps & Clubs, Amateur Sporting Associations, Motorsports, and Personal Training Studios.
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Available in Arizona, California, Colorado, Nevada, Oregon, and Washington.
Contact us for more information >>
Aviation
We offer all lines of aviation insurance including, but not limited to:
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private and commercial aircraft, business jets, helicopters, gliders, fixed-base operators, airports, aviation manufacturer's liability, fuel storage tank pollution liability, hangars and aviation workers compensation.
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Rated and Admitted carriers, AOPA discounts available.
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Available in Arizona, California, Colorado, Nevada, Oregon, and Washington.
Other Business Coverage
Other
Personal Coverage
Flood coverage for Your Home
If you are in a Flood Zone A, you are carrying this coverage already at the requirement of your lender. Move your current policy to us for convenience of servicing easily - rates for Flood Insurance are set by the Federal Government and are the same for all carriers.
If you are not in Flood Zone A, you may want to consider this coverage for your specific location.
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Is there a waterway nearby that could overflow its banks? Is there the possibility of rising water from any source?
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Flood is a standard exclusion on all homeowners, ranch and business policies.
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Coverage for water damage from flowing or rising waters or mud can be covered under a flood policy easily and rates can be quite reasonable for properties not in Flood Zone A.
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Available in Arizona, California, Colorado, Nevada, Oregon, and Washington.
Contact us for more information >>
Recreational Vehicles, Dirtbikes and ATVs
Cover your recreational vehicles, dirtbikes, motorcycles, and ATVs for liability wherever you plan to go.
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Both Liability and Physical Damage coverages are available with a variety of deductibles.
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Quotes can be done over the phone.
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Available in Arizona, California, Colorado, Nevada, Oregon, and Washington.
Contact us for more information >>
Aviation
We offer aviation insurance for your private plane or helicopter, glider, and hangars.
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Rated and Admitted carriers, AOPA discounts available.
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Available in Arizona, California, Colorado, Nevada, Oregon, and Washington.