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Coverages
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Policies are available in all U.S. states except Alaska and Hawaii.
Full Mortality coverage is provided for death as a result of injury, illness, humane destruction, and transportation anywhere in the continental U.S.A. or Canada and includes loss or death as a result of theft. Premium rate is based on the horse's use, breed and age. Vet certificates are not required for horses valued up to $50,000 depending on company. AUTOMATIC COLIC SURGERY COVERAGE At no extra cost, the Full Mortality Policy includes coverage for emergency colic surgery up to $3,000 depending on the value of your horse. AGREED VALUE Full Mortality Policies include Agreed Value. Coverage provides that in the event of a mortality claim, if the value of the horse at any time during the policy period was equal to the limit of indemnity, you will be paid the value amount stated in the policy. MAJOR MEDICAL AND SURGICAL Coverage is provided for the cost of medical and surgical procedures including diagnostics as a result of accident, illness or disease. Available for horses ages 6 months through 15 years. PLAN 1: Annual Aggregate Limits up to $5,000, not to exceed the horse’s insured mortality limit, deductible varies by company. PLAN 2: Annual Aggregate Limits up to $7,500, not to exceed the horse’s insured mortality limit, deductible varies by company. PLAN 3: Annual Aggregate Limits up to $10,000, deductible varies by company. SURGICAL ONLY Coverage is only for the cost of actual surgery and for up to a maximum of 100% of that cost for approved non-surgical medical fees incurred during the 6 months after the surgery. Annual Aggregate Limit: $5,000, subject to a $0 deductible per illness, injury or incident. Available for horses ages 6 months through 17 years. GUARANTEED EXTENSION COVERAGE Provides that in the event of a condition occurring and reported during the policy period, mortality coverage will automatically continue for up to 12 months from the expiration date for that specific condition. (Applies to horses ages 16 years and under.) STALLION INFERTILITY A, S & D Coverage provides that in the event your proven stallion becomes permanently incapable of settling mares in foal as a result of accident, sickness or disease, you will be paid up to 100% of the indemnity due under the mortality policy. Coverage is not available to stallions in their first breeding season. EXTERNAL INJURY LOSS OF USE* This coverage provides that in the event your horse is permanently no longer able to perform its insured function as a result of a visible, external, accidental and violent means injury, you will be paid up to 50% of the amount of indemnity due under the mortality policy. Available for horses ages 1 thru 17 years. *Loss of Use coverages require Major Medical and Surgical or Surgical Only coverage. LIABILITY COVERAGES COMMERCIAL EQUINE LIABILITY This coverage is very important if you perform any commercial equestrian activities such as boarding, instruction, training, breeding, etc. Coverage is provided if you are sued by a third party who is injured, or whose property is damaged. The policy covers defense costs and pays claims for which you are legally liable up to the policy limits. PERSONAL HORSE OWNER'S LIABILITY COVERAGES Provides coverage to an individual insured who is the legal owner of the horse(s) all sums which the Insured shall become legally obligated to pay to Third Parties as damages because of Bodily Injury or Property Damage directly caused by the owner's horse. Limits available to $1,000,000. EQUINE PROFESSIONAL LIABILITY COVERAGE Provides coverage for claims and defense fees resulting from any negligent act, error or omission arising from the insured's professional equestrian activities. CARE, CUSTODY & CONTROL Consider this coverage if you board, train or breed horses for others. If one of those horses is injured or dies while in your care and you are found negligent, this policy will provide for the medical care or replacement cost of the horse up to the policy limits. Defense costs are also covered. CLUB/ASSOCIATION/SHOW COVERAGES INDEPENDENT HORSE SHOWS AND EVENTS Liability coverage is available to organizers for single horse shows or equestrian events. Coverage is provided for the actual event days and includes a day for both set-up and take-down. RIDING CLUBS AND ASSOCIATIONS Groups wishing to protect themselves can obtain liability coverage with a club or association policy. The basic annual policy provides coverage for up to seven event days, with coverage for additional days available. This coverage helps to protect your group if you are faced with a lawsuit by a third party. Claims for property damage and/or bodily injury are covered, including the cost for defense. FARM AND ESTATE COVERAGES Provides coverage for residential dwellings, all farm structures, personal property, farm property, tack, commercial general liability and care, custody and control. EXCESS COVERAGE AVAILABLE Our Excess Liability program is available in all states. Commercial General Liability policies with a $1 million primary occurrence limit qualify. Excess limits increase both the occurrence and aggregate limit. MADDEN EQUINE INSURANCE 59 HIDDEN RIVER COURT, TIPTON, IOWA 52772 1-800-753-9192 email: pkmadden@iowatelecom.net Fax: 563-946-3300 www.maddenequine.com Payment Plans Available |
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