Do you own a horse farm and need to protect your home and buildings, as well as cover your equine mortality?  The Markel Horse Farm (Equi-Farm) policy provides property insurance to cover your home, household contents, barns, sheds, owned machinery, equipment, tack, and livestock.  It also provides liability coverage for your on and off premises horse operations, such as boarding, breeding, racing, training, horse shows, and riding instruction.

Markel is the innovator of horse farm insurance.  And ever since we brought our first package to the market nearly four decades ago, we've enhanced our products and services to meet your changing needs.  Markel offers you more than superlative protection; you can depend on an unmatched record of experience, expertise and commitment that have made us the leading name in equine insurance.

Equi-Farm Package

Coverage Highlights

• Up to $1 million liability limit available
• Personal liability available for owner occupied dwellings
• Coverage for farm-related buildings such as barns, stables, hay sheds and arenas
• Farm Personal Property coverage for farm machinery, tack, equipment, hay and seed
• Replacement cost coverage available on buildings and household contents
• Choose from Basic, Broad, or Special coverage options for all property
• Various property deductibles available
• Renewal loss free credit
• Enhancement coverages available
• Optional Coverages

Optional Coverages

• Care, Custody and Control - a "must" if you care for someone else's horse.
• Defense and court costs for litigation, and payment for judgments up to the aggregate policy amount (per animal limit applies)
• $10,000 liability limit for non-owned horse equipment
• Choose from various limits to meet your needs
• No deductible applies
• Available by endorsement to your Commercial Equine Liability or Equi-Farm Package policy
• Disruption of Farming - loss of income due to covered cause of loss to a stable or barn
• Systems Breakdown - increased causes of loss for damage or destruction of equipment and machinery, including electronic devices (i.e. phones, computers, security systems)
• Livestock Coverage - limited mortality-named perils up to $2,000 per head; applies to owned livestock only
• Coverage for jewelry, fine arts, guns, etc...
• Sports Equipment Floater - covers equipment used for golf, tennis, etc...
• Animal Collision
• Commercial Auto
• Excess or Umbrella Liability (with limits up to $10 million) - Umbrella coverage is an excess limit of general liability over third party liability coverages.  We require the primary general liability policy to be written with Markel Insurance Company.  The Auto and Employers Liability can be written with outside carriers that are A-rated admitted.  Self Insured Retention of $10,000.

      Note: not all coverages are available in all states.

Markel's Property & Casualty products are offered through the Glen Allen, Virginia office. Both offices will work together to bring you both Mortality and Farm coverages.  For more information about Markel's Farm Package and Liability Coverages, please contact your insurance agent.

 NOTE: Actual coverages are subject to various terms, conditions and exclusions.
Full copies of wordings can be provided upon request.