There are many types of insurance available. Home owner’s insurance, automobile insurance, life insurance, to name just three, but there are also specialty insurance policies available that some consumers may find very useful.
In simple terms, specialty insurance is exactly what it sounds like. It is insurance that is purchased for items that are special or unique. It is also used to provide protection for items that might otherwise be protected under another policy but are not protected because of some unusual aspect. We offer Equine & Mortality Coverage, Special Event Coverage, Wedding Insurance and Host Liquor Liability.
Equine & Mortality Coverage
Which mortality policy is right for you?
Both our hassle free and standard all risk mortality and theft policies feature the same great coverage. Most horses will qualify for our hassle free policy. No vet certificate required on horses valued up to $50,000*.
Hassle free mortality
Choose if your horse:
- Is between 91 days and 15 years of age
- Has an insured value not exceeding $50,000* (per horse)
- Is not a Race Horse, Tennessee Walker, Racking, Miniature Horse, Paso Fino, Peruvian Paso, Draft, Halter Show Horses or Halter Breeding Stock)
Standard all risk mortality and theft
If the hassle free mortality program does not apply to your horse, our standard all risk mortality and theft policy provides the same coverage at an affordable price.
- Affordable premiums
- Agreed value settlement (except racehorses)
- 90 day extension clause
- Guaranteed renewal coverage added at no additional charge (except racehorses)
- 24-hour claims service
- Credit card payment or installment plans available
Racing industry risks
Contact us to learn more about our coverage’s for Thoroughbreds, Standardbreds, and Quarter Horses reared, trained, and bred for racing.
Special Event Coverage
Special Event Insurance protects you from unforeseen happenings that sometimes complicate an otherwise happy occasion. From Chili Cook-offs to Art & Jewelry Exhibits to sporting event, many facilities ask that you purchase event liability insurance, and providing a certificate of insurance before the event is mandatory. Let us help you pick the one that is right for you.
Wedding Insurance is type of private event insurance coverage, which provides several different types of coverage and coverage enhancements for your special day, your rehearsal and rehearsal dinner, lost deposits, Event Photographs and even protection for a cancellation. You also have the option to add liability insurance which includes an option to add liquor liability.
Host Liquor Liability
Many events offer guests alcoholic beverages. A guest who has an accident after drinking at an event can file a lawsuit against the host.
An event liability insurance policy that offers protection against serving or hosting alcohol is a necessary feature if you will serve alcohol at your event.