Equine Insurance

Whether you are the owner of a single horse, the proprietor of a boarding stable, or a horse trainer, chances are you should be protected by equine insurance. The question is, what type of insurance do you need, and how much? We've outlined several different types of equine insurance below. Before making any final decisions, always consult with your insurance agent and/or your lawyer to determine the type and amount of coverage you need.

Individual Horse Owner's Liability

If you are an individual horse owner, it is important to be covered for any property or bodily damage that you horse might cause. Sometimes your homeowner's policy will cover damages caused by your horse, so check your policy carefully. If your policy does not cover these things, contact an equine insurer to determine what types of additional coverage you need. How much do you need? That depends on your situation and your agent, or a lawyer, can help you. A good rule of thumb is the more personal assets you have, the more coverage you need. Coverage should include the promise to pay all sums you are legally obligated to pay for bodily injury and property damage arising from horse ownership, plus the cost to defend you.

Commercial Equine Liability

Commercial liability is needed by those who perform any commercial equine activities such as boarding, instruction, training, and breeding. This coverage protects you in the case you are sued by a third party who is injured or whose property is damaged. As any damage that exceeds your policy limits will come out of your personal assets. Again, the more personal assets you have, the more coverage you need.

Equine Professional Liability Coverage

If you derive any income from horses, this type of insurance provides coverage and defense fees resulting from any negligent act, error, or omission by the insured's professional equine activities.

Mortality

This is the type of insurance that can be most confusing to the horse owner. Whether or not to insure your horse, and for how much, basically boils down to how much you need the horse, whether you can afford to replace him, and your risk tolerance. If your horse is a source of revenue to you, chances are you will want to insure him for his full value. In contrast, you may be able to afford to replace your beloved family pleasure horse (we're talking money here, not emotionally!) and insuring this horse might not be worth the premiums. A mortality policy pays the actual value of the horse at the time of the accident or illness causing the horse's death, not to exceed the value specified in the policy.

Major Medical

This type of insurance is available to horses insured for mortality. Major medical insurance reimburses the veterinarian's fees for surgery, major illness, and disease. Because these things can be quite expensive, major medical is worth it to the horse owner without a lot of cash on hand. Deductible and per year limits vary by policy.

Loss of Use

This is an important type of insurance for those who use their horses for livelihood. It covers you in the case that your horse becomes totally and permanently incapable of fulfilling the functions for which it is used. Most policies pay a percentage of the horse's value when it has been determined that it can not be used in the way stated on the policy. Many policies reserve the right to take the animal upon payment. Other policies pay a percentage but still allow you to keep your horse.



These are some of the more common types of insurance available to horse owners. For insurance tailored to your specific individual or business needs, contact an equine insurance specialist.

Ron Petracek is the founder of Equine Internets vast 15 site classified and social network. You can view its amazing size here Http://www.equineinternet.com/network.php or to further your equine habit please visit our forum by clicking here http://www.horsechitchat.com/equineforums and start posting Need to sell a horse or tack? place a free ad here http://www.click4equine.com and always the barn door in left open on purpose.Candy Skye Shower
Hot Eighteen Fatty Spreading Her Chubby Eighteen Cunt
#comments
Lil Lupe
Melissamidwest Hardcore Hooters Girl
Arielrebelvideos
Candy Skye Young Cunt
Little Lupe Likes It Doggystyle
Little Lupe Lesbian Fuck
Hot Babe Gets Sexed While Sleeping
Super Chubby Chick Is Horny
Lesbian Twins
Hayleehunter
Littlelupegallery
Fat Fuckinging
Drunk Girls Sure Know How To Have A Sleeping Fuck Party
Brand New Free Sleep Assault Free Clip
Sleeping Sex With Barely Awake Drunk Young Girls
Feed
Piper Fox Photo Gallery
Style
Redhead Sexed In Her Sleep
Little Lupe Uncensored Sucking Dick
Ariel Rebel Trucker Hat
Ariel Rebel Picture
See This Hot Chubby Sexing Action
Doctor Sleep Sexs A Sexingy Hot Sleeping Teen Babe
Drunk College Girl Gets Her Teen Cunt Licked And Sleep Assaulted
Ariel Rebel Snatch
#comments
Sleepassault1
Selina18blog
Pamela Spice Hot Latina Fun
Horny Bbw Babe Slammed By A Lucky Guy
Feed
Little Lupe Lifts Up Her Skirt Clip
Chubby Chick Beaver Drilled
High On Drugs Blond Gets Fucked Hard By Black Guy While Asleep Sleeping Fuck
Chubby Latina Chick Gets Stuffed
This Is Little Lupe
Sitemap
Night Invasion Violation
Check Out My Tits
Check Out My Tits
Littlelupevideos
Squirting 101 Has Babes That Can Really Spray
Assparademilf
Little Lupe Cute Summer Panties
Kinky Girl Gets Tied Up And Finger Fucked
Cute Flower Dress Little Lupe
Ebangbros
Chubbyteenchicks
Little Lupes Tits
Sexy Plump Chicks Wanna Fucking Them
Sleepsins Halloween Assault
Style
Little Lupe Hardcore Dildo
Chubby In Stockings Getting Ready
Sextapejordancapri
Little Lupe Bath Tease
Pamela Spice Nude
Jordan Capri Lesbian Toying On Bed
Sexy Twins
#comments
Sexingy Bbw Sucking On Two Cocks
Plump Fat Young Pussy
Pamelaspice Blackpanties
Cute Lady
Misty Gates Free Photo Gallery
Chubby Fanny Galore
Nzc3nzozojmx
Vancouver Condos
Blonde College Teen Fucks Hard
Littlelupegallery
Baileys Room Cute Asian Teen Girl
Candyskye
Drunk Girls Sure Know How To Have A Sleeping Fuck Party
Check Out My Sex Hole
Little Lupe Sucks A Dick Full Movie Free Full Movie
Little Lupe Sucking Huge Cock
Little Lupe Wearing Cute Red Dress
Little Lupe Lesbian
Little Lupe Hard Cock Blowjob
Cute Plumper Fingering Her Wet High School Pussy
Sexy Sleep Assault College High School Babe
Big Natural Tits And A Perfect Ass
Trishastorm
Fattie Masturbates Herself
#comments
Feed
Little Lupe Movies
Little Lupe Loves Sucking Cock Licking Up Cum
Chubby In The Beach Look At That Body
Carmen Cocks
Littlelupevideos
Sex My Little Teen Tits
Selina18ishot
Andi Pink Short Skirt
Chubby Fat Young Fuck Trailer
Feed
Dominated Female Anal Bdsm Submission Video
Littlelupevideos
Mistygatesblog
Passed Out Black Teen Girl Fuckinged
Young Voyeur Dorm Teens Sex Party
Sexy Nude Ex Girlfriend Pictures
Little Lupe Sucking Cock
Big Natural Tits And A Perfect Ass
Brooke Skye Hot Clit And Nipples
Jordan Capri Lesbian Sleep Fucking
Little Lupe Dildo Doggy Picture
Sexy Twins
Chubby Fat Young Fuck Trailer
Pamela Spice Lesbian Play
Little Lupe Pink Booty Shorts
#comments
Nzc3nzozojmx
Brooke Skye Hot Clit And Nipples
Chrissy Blooms
Selina18 Lesbian Pool Sex
Check Out My Tits
Misty Gates Oiled Up Pussy Toying
Chubby In The Beach Look At That Body
Young Voyeur Dorm Teens Sex Party
Fat Fuckinging
Fattie Masturbates Herself
Sexingy Bbw Sucking On Two Cocks
Littlelupegallery
Littlelupegallery
Casey Parker Blowjob Hardcore
Chubby Chick Beaver Drilled
Big Asian Tits
Littlelupe Schoolgirl Hardcore Clip
Selina18xxx
Little Lupe Lesbian Fuck
Sleeping Sex With Barely Awake Drunk Young Girls
Little Lupe Nude
Cute Karla Spice Fingers Pussy Gallery
Whore Gets A Taste Of Sleeping Fucking
Little Lupe Getting Fuckinged Doggystyle
Little Lupe Tight Pussy Picnic
#comments
Myteendeja
Ariel Rebel Sexy Sweater
Ariel Rebel Ass
Sitemap
Teen Drunk College Girl
Jordan Capri Lesbian Toying On Bed
Selina18pics
Utwisted
Innocent 18 Year Old Little Lupe Picture And Videos
Sweet Adri Loves Lesbian Pussy
Baileys Room Cute Asian Teen Girl
Katiepink
#comments
Sitemap
Jenaveve Jolie And Brianna Beach Team Up At Ass Parade
Sitemap
Selina18blog
Little Lupe Loves Milf Juggs
Feed
Blonde College Teen Fucks Hard
Piper Fox Hotel Teen Fun
Chubby Latina Slut Fucking
Drunk Teens Passed Out Sleeping Sex
Candy Skye Fucking Hole
Sitemap
Cute Flower Dress Little Lupe
Mygaydatingservice
Asian Girl Sleep Assault
Hayleehunter
Realestateinvancouver
Sleep Sins The Sleep Assault New Sleeping Fucking Site
Little Lupe Likes It Doggystyle
Feed
Ariel Rebel Nude
Pamelaspice1
Ariel Rebel Picture
Alyssa Bliss
Kissable Kaydin
Cute Chubby Chick
Hayleehunter
Ariel Rebel Showing Her Teen Cunt In Public
Piper Fox Photo Gallery
Asian Bbw Pounding Her Plump Teen Pussy With Fake Brutal Cock
Chubbyteenchicks
Selina18xxx
High On Drugs Blond Gets Fucked Hard By Black Guy While Asleep Sleeping Fuck
Little Lupe Sucks A Dick Full Movie Free Full Movie
Little Lupe Gives Blowjob Outdoor
Sexy Bbw Young Princess Lissa Naked
Little Lupe Likes It Doggystyle 2
Bang Bros Ball Honeys Cherry Pop
Night Invasion Blonde Blowjob Vid
Vancouver Real Estate Market
Blonde Bbw That Loves To Be Fucked
Little Lupe Uncensored Sucking Dick
Sex My Little Teen Tits
Ebangbros
Little Lupe Lesbian
Little Lupe Snapper
Sleep Assault Anal Sex
Littlelupevideos
Feet Fetish Blonde Teenager Girl
Kates Playground Sexy Lingerie Set
This Is Little Lupe
Brand New Free Sleep Assault Free Clip
See This Hot Chubby Sexing Action
Supersize Bbw Teasing With Her Big Soft Breasts
Sexy Chubby Mom Summer Lynn Playing With Dildo
Little Lupe Lesbian Milf Picture
Casey Parker Trucker Girl
Candy Skye Pictures
Passed Out Eighteen Babe Gets Twat Fucked By Stranger Full Free Clip
Pamela Spice Lesbian Play
Candy Skye Young Cunt
Katie Pink Sexy Vagina
Cute Plumper Fingering Her Wet High School Pussy
Chunky Booty With A Tramp Stamp
Chubby Fanny Galore
Young Hot Babe Sleep Fucked In Her Young Pussy
Pamela Spice Young Teen Nipples
Feed
Myteendeja
Little Lupe Hard Cock Blowjob
Drunk College Girl Gets Her Teen Cunt Licked And Sleep Assaulted
Two Sexy Big Women Having Bbw Lesbian Sex
Littlelupegallery
Sleepsins Halloween Assault
Chubby Chick Gets Fucked
Little Lupe Wants Cum
Cock Or Dildo
Doctor Sleep Sexs A Sexingy Hot Sleeping Teen Babe
Little Lupe Lesbian Intercourseing
Sweetadriblog
Melissamidwest Sweetadri Purple Dildo
Hardcore Full Movie Of Little Lupe
Vancouver Condos
Images
Chubby In Stockings Getting Ready
Cute Lady
Chubby Chick In White Lingerie
Jordan Capri Lesbian Toying On Bed
Passed Out Drunk Slut On Drugs Fuck
Sweet Adri Loves Lesbian Pussy
Drunk Girls Sure Know How To Have A Sleeping Fuck Party
Bbw Sybian Riders
Hot Eighteen Fatty Spreading Her Chubby Eighteen Cunt
Latina Teenager Outdoor Naked
Chubby Lesbian Chicks
Pamela Spice Latin Pussy Gallery
Little Lupe Innocent Teen Cutie
Karla Spice Pink Panties On Her Bed
Cute Girls
Sweetadris
Porn Blooper Guy Gets Slapped Hard
Young Lesbian Sleeping Bitch Fuckinging Assualt
Sticking Fingers In My Vagina
Passed Out Eighteen Babe Gets Twat Fucked By Stranger Full Free Clip
Drunk High Schools Passed Out Sleeping Sex
See This Hot Chubby Sexing Action
Karla Spice Latin Teen Babe
Pamela Spice Nude
Big Natural Tits And A Perfect Ass
Big Asian Tits
Misty Gates Playing Guitar Hero Naked
Ariel Rebel Posing In Cap
Little Lupe Lesbian Milf Picture
Littlelupegallery
Plump Brunette Getting Pumped Full Of Jizz
Check Out My Tits
Ebangbros
Melissamidwest Sweetadri Purple Dildo
Sleepfucks
Candy Skye Fucking Hole
Selina18xxx
Sextapejordancapri
Piper Fox Photo Gallery
Cute Plumper Fingering Her Wet High School Pussy
Sexy Nude Ex Girlfriend Pictures
Katesplayground
Sitemap
Cumcave
Piper Fox Hotel Teen Fun
Ex Girlfriend Young Teen Voyeur
Fat Fuckinging
Jordan Capri Cow Girl Hotness
Innocent 18 Year Old Little Lupe Picture And Videos
Chubby Latina Chick Gets Stuffed
Ariel Rebel Shows Tiny Tits
Brooke Skye Hot Clit And Nipples
Whore Gets A Taste Of Sleeping Fucking
Candyskye
Dominated Female Anal Bdsm Submission Video
Asian Girl Sleep Assault
Sexingy Bbw Sucking On Two Cocks
Check Out My Sex Hole
Katie Pink Sexy Vagina
Pamela Spice Young Teen Nipples
Pamela Spice Hot Latina Playground Fun
Feed
Littlelupevideos
Selina18 Cute Teen With Braces
Sleep Assault Sleeping Fuck Drunk Teen
Little Lupe Getting Fuckinged Doggystyle
Drunk Girls Sure Know How To Have A Sleeping Fuck Party
Xoxo Leah In The Shower Free Pictures
Candy Skye Fucking Hole
Hot Babe Gets Sexed While Sleeping
Candy Skye Young Cunt
Misty Gates Oiled Up Pussy Toying
Cute Karla Spice Fingers Pussy Gallery
Passed Out Drunk Slut On Drugs Fuck
Sleeping Fucking Passed Out Teen Young
Little Lupe Likes It Doggystyle
Night Invasion Violation
Cute Flower Dress Little Lupe
Sexy Chubby Mom Summer Lynn Playing With Dildo
Two Sexy Big Women Having Bbw Lesbian Sex
Cute Lesbians
Karla Spice Latin Teen Babe
Utwisted
Sitemap
Hot Eighteen Fatty Spreading Her Chubby Eighteen Cunt
Little Lupe Nude
Sweetadriblog
Little Lupe Sucking Cock
High On Drugs Blond Gets Fucked Hard By Black Guy While Asleep Sleeping Fuck
Littlelupevideos
Ariel Rebel Red White
Sleeping Bitch Gets Her Vagina Licked And Fuckinged
Littlelupegallery
Selina18blog
Little Lupes Tits
Sleepassault1
Sticking Fingers In My Vagina
Candy Skye Pictures
Candy Skye Fucking Hole
Ariel Rebel Showing Her Teen Cunt In Public
Amateur Homemade Porn Girlfriend Movie
Selina18 Cute Teen With Braces
Sexy Nude Ex Girlfriend Pictures
Chubby In The Beach Look At That Body
Drunk Teens Passed Out Sleeping Sex
Ariel Rebel Showing Young Pussing
3
Candy Skye Pleasure
Ariel Rebel Sexy Sweater
Sleepfucks
Chubby Chick In White Lingerie
Assparademilf
Little Lupe Short Skirt
Sleepsins Halloween Assault
Drunk Sleeping Sexing With Little Bald Sex Hole