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Property and liability coverage from the #1 farm insurer1 for your equine operation.
We understand that every equine operation is different. Nationwide® can customize your policy to fit your operation’s specific insurance needs.
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Coverage highlights

Coverage for insured livestock includes, but is not limited to:

  • Accidental shooting
  • Attacks by dogs or wild animals
  • Collision causing death of covered animals
  • Fire
  • Flood loss
  • Loading and unloading accidents
Newly acquired livestock

When you specifically schedule livestock on your policy, newly acquired livestock are covered for up to 25% of your current livestock limit for up to 30 days
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Coverage options

Coverage for insured livestock includes, but is not limited to:

  • Boarding — Feeding and pasturing facilities for horses that belong to others
  • Breeding — Owning or keeping horses on your property for breeding purposes, or if you provide stud services
  • Care, custody and control — Limited property damage coverage applies for equine owned by others but in your care, custody or control
  • Exhibitions and competitions — On premise shows and events as part of your equine operation
  • Riding instructors — Riding instruction as part of your equine boarding, breeding or training operation inclusive of on-premises trail rides
  • Training — Training horses for others as part of your equine operation

Add the Equine Elite endorsement

You can enhance your equine coverage by adding our Equine Elite endorsement to your farm or ranch policy.

Equine Elite endorsement at a glance

Coverage Base Policy Coverage - FP 700 10 Equine Elite Coverage - FP 701 07
Acquired livestock 25% of scheduled farm personal property coverage limits 35% of scheduled farm personal property coverage limits for livestock
Emergency stabling or transportation, evacuation or recovery expense No coverage Coverage up to $250 per day for emergency stabling or emergency transportation, up to $2,500
Emergency veterinary services No coverage Coverage up to $500 per occurence, subject to a total of $1,000 annually
Employee tack No coverage Coverage up to $5,000 per occurence, no more than $2,500 per individual employee ($250 deductible applies)
Equine footings No coverage Coverage up to $25,000 for arena footings
Equine miscellaneous tack Up to $1,000 not specifically scheduled Up to $20,000 per occurence, but no more than $7,500 per individual item ($250 deductible applies)
Evacuation No coverage Coverage up to $10,000 if livestock on insured location is within 25 miles of evacuation area
Fences, corrals, and pens Coverage if scheduled with a limit Coverage up to $10,000 per occurence unless a higher limit is shown for farm buildings and structures coverage
Hay, straw and fodder in buildings $100,000 limit on any one stack if a limit is scheduled Coverage up to $5,000 in addition to any other applicable limit in the policy ($500 deductible applies)
Livestock transit No coverage Coverage up to $20,000 per occurence ($500 deductible applies)
Non-owned livestock cargo No coverage Coverage up to $1,000 per animal, $5,000 per occurence, subject to a total of $10,000 annually ($500 deductible applies)
Ordinance or law No coverage Coverage up to 20% of applicable limit for increased costs due to ordinance enforcement
Outdoor signs, entrance gates and mailboxes No coverage Coverage up to $10,000 per occurence ($250 deductible applies)
Recovery expense No coverage Coverage up to $2,500 for escape due to a covered loss
Refigerated farm personal property Coverage up to $1,000 Coverage up to $2,500
Rental reimbursement expense for horse transportation No coverage Coverage up to $1,000 per occurence (not to exceed $100 a day)

Additional coverages

Customize your policy to the needs of your operation.

Learn about optional coverages

Land As Your Legacy®

One day, your farm will be the legacy you pass on to the next generation.

Learn about transition planning
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1 Nationwide Market Share Report, SNL Financial (2018).