This inquiry is frequently raised, and it's crucial to properly address it. Firstly, one should consider their predominant concerns. Is colic a significant worry? Perhaps the fear is more related to potential injuries? If your horse were to experience colic, necessitating a surgical procedure, would you be prepared to shoulder the economic repercussions?
These considerations are fundamental in choosing the right insurance. If you are financially comfortable handling potential medical costs, the Mortality Only insurance might be the optimal choice. However, if these costs could pose a significant burden, or if you would appreciate added peace of mind, the Major Medical or Extra Colic options could be more suitable.
As always, it is my commitment to thoroughly explain these options to all clients, ensuring that they can make an informed decision that best aligns with their circumstances and comfort levels.
With a decade of experience in the insurance industry, I've specialized in equine farm and ranch policies. Recently, I've expanded my offerings to include commercial property and business insurance. While many agents steer clear of commercial policies, I find the diversity refreshing. Growing up in a small family business has given me a unique understanding of the specific risks and needs associated with commercial ventures.