If you own, board, breed, train, race or sell horses, we need to talk. American National Property And Casualty Company (ANPAC®) provides a full range of coverages, including policies tailored to the specific needs of horse enthusiasts. Whether you breed horses as a profession, or board them for recreation, we can advise you on the right type of coverages to best protect your interests.
Commercial General Liability For Horses (CGL)
A CGL policy is designed to cover many situations involving horses. It can help protect you from claims brought against you as a result of your horse operation. CGL coverage applies to the specialized needs of operations involving horse-drawn carriages, sleighs, hay rides, pony rides and more.
Look to ANPAC® as the source for your equine insurance needs, including:
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Property Coverage
Residences
Farm Products & Supplies
Barns
Tack
Hay & Grain
Farm Machinery
Liability Coverage
Shows
Care, Custody & Control
Clinics
Hay & Sleigh Rides
Riding Instruction
Carriage & Buggy Rides
Boarding Liability
Special Farm Package 10® (SFP 10®)
One of the cornerstones of ANPAC®'s coverage is our SFP 10® policy providing effective yet flexible property and casualty coverage relevant to horse operations of varying size and scope. A number of coverage options ensures you're getting just the right amount of coverage you want.
Major SFP 10® coverage categories include:
- Residences and Household Contents
- Buildings and Building Contents
- Farm Personal Property
- Scheduled Personal Property
- Liability
Tack and other equestrian equipment can be included under the SFP 10® policy.
Care, Custody and Control.
An optional coverage on our SFP 10® policy - Care, Custody and Control - provides protection in the event that someone else's animal dies or suffers an injury while in your care, and you are held legally responsible.
While many people falsely assume that these situations are covered by standard liability insurance, the fact is that many liability policies contain a provision which excludes this important coverage. ANPAC® offers this coverage under an optional endorsement.
Reviewing your coverage costs nothing. Not reviewing it could cost you everything.
