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

CoverageBase Policy Coverage - FP 700 10Equine Elite Coverage - FP 701 07
Acquired livestock25% of scheduled farm personal property coverage limits35% of scheduled farm personal property coverage limits for livestock
Emergency stabling or transportation, evacuation or recovery expenseNo coverageCoverage up to $250 per day for emergency stabling or emergency transportation, up to $2,500
Emergency veterinary servicesNo coverageCoverage up to $500 per occurence, subject to a total of $1,000 annually
Employee tackNo coverageCoverage up to $5,000 per occurence, no more than $2,500 per individual employee ($250 deductible applies)
Equine footingsNo coverageCoverage up to $25,000 for arena footings
Equine miscellaneous tackUp to $1,000 not specifically scheduledUp to $20,000 per occurence, but no more than $7,500 per individual item ($250 deductible applies)
EvacuationNo coverageCoverage up to $10,000 if livestock on insured location is within 25 miles of evacuation area
Fences, corrals, and pensCoverage if scheduled with a limitCoverage 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 scheduledCoverage up to $5,000 in addition to any other applicable limit in the policy ($500 deductible applies)
Livestock transitNo coverageCoverage up to $20,000 per occurence ($500 deductible applies)
Non-owned livestock cargoNo coverageCoverage up to $1,000 per animal, $5,000 per occurence, subject to a total of $10,000 annually ($500 deductible applies)
Ordinance or lawNo coverageCoverage up to 20% of applicable limit for increased costs due to ordinance enforcement
Outdoor signs, entrance gates and mailboxesNo coverageCoverage up to $10,000 per occurence ($250 deductible applies)
Recovery expenseNo coverageCoverage up to $2,500 for escape due to a covered loss
Refigerated farm personal propertyCoverage up to $1,000Coverage up to $2,500
Rental reimbursement expense for horse transportationNo coverageCoverage 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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Can't find your farm type? Call 1-800-255-9913

1 Nationwide Market Share Report, SNL Financial (2018).