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.
Northwest Insurance has several different Standard 'A' rated companies that we write business through, and we strive to fit the best product to your needs. Mortality Insurance for Equine and Livestock is basically a life insurance policy for your animal naming you, the owner, as the beneficiary. The most commonly asked question I receive from clients is "How do I determine my horse's insured value?" The easiest way to determine value of an animal is a cancelled check or bill of sale, but there are other ways such as stud fees, training, and show winnings. Owning a horse can be a significant investment so make sure and protect yourself for a potential tragedy and have that peace of mind!
Major Medical is designed to help you pay for medical expenses incurred by injury but there are different variations of major medical that you need to understand before you make your decision on what kind best suits your needs. There are different limits of insurance, i.e.. $5000 limit, $7500 limit, $10,000 limit, and $15,000 limit. These limits are the maximum amount an insurance company will pay for approved medical expenses. We have companies that offer Major Medical coverage with no co-pays and low deductibles. As always, if there are ever questions about Major Medical coverage, I am only a phone call or email away.
Coverage for stallions in the event they become permanently and totally incapable of impregnating mares as a result of accident, sickness, or disease.
Karey can create a property package that covers the unique risks that your farm or ranch is exposed to whether it be a therapeutic riding center, boarding/training facility, or a privately owned facility. She can develop a package that insures your property, barns, vehicles, equipment, tack, as well as covers the liability risks. A package can be created to include all of this in one policy with an agent that knows your business and exposures.
If your riding club is hosting events it’s important to be properly covered with liability insurance so it doesn’t put you at risk. Call anytime for a quote.
If you’re a trainer operating out of a barn you need this insurance. Karey understands the hardships trainers can face but also understands the importance of having liability insurance to protect you as a trainer. Don’t be scared by the cost as most polices are very affordable!
