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Work, Time, Affection, Money. Chances are, you have invested all these in your equine. And, if you are an experienced owner, you know how quickly your investment can be lost as a result of sickness or injury. Nothing can replace the first three items above, but at The Folck Agency, Inc, we can help ease your financial loss when death takes one of your prize animals, or loss by legal judgment, farm property damage, theft, etc.
The Folck Agency, Inc. has established independent affiliation with only reliable, top-rated underwriting companies, those that protect the horse owner's interest with broad form coverage's and nationwide claim service. The Agency is authorized with immediate binding authority day or night. We do not work for a company, we serve your specific needs first!
Note: These synopses are not the actual policies and certain conditions and exclusions apply. Refer to actual policy for specific coverage.
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All of the endorsements listed below are optional and can be added to your mortality policy provided you meet the necessary requirements and pay the additional premium.
ALL RISK MORTALITY & THEFT
This is a Term Life Insurance policy for your horse with the Insured as the beneficiary. It is an "All Risk" policy, which will cover death from any cause, subject to certain exclusions, which are stated in the policy. It also pays if your horse is proven stolen. Notice of illness, injury, or surgery is required. Rates vary due to age, use, and breed with various companies (lowest is usually not the best coverage). Application signed and completed with current veterinary exam and substantiation of values required.
FARM OWNERS COVERAGE
This is a very comprehensive "Farm Owners Insurance Plan" to specifically protect your entire personal and horse operations for both Property and Liability. Designed to cover your house, contents, farm barns, personal property (tools, tack, equipment) plus your personal and business liability on and off premises. Homeowners policies exclude business pursuits with Horses (2 or more). (Request brochure)
CARE, CUSTODY, AND CONTROL
This insurance is essential for the horseman who boards or trains horses or who is responsible for other people's horses while boarding, training, showing, breeding, or racing them. It pays all sums you are legally obligated to pay for damage to horses in your care, custody, or control that you do not own. Covers the injury, theft, or death of the horses in your care. It is legal defense coverage. Policy limits are available from $2,500 to $200,000 per animal and from $25,000 to $500,000 maximum loss per policy year.
COMMERCIAL STABLE LIABILITY
This insures you for your legal liabilities up to the limits stated in the policy. It will provide the protection you need arising out of your horse business on and off premises. It pays for bodily injury and property damage as a result of your equine operations: Boarding, training (show, race), breeding, riding lessons, clinics, shows, and sales. Properly written Release of Liability form usage is required (request sample-consult an attorney) refer State Equine Liability laws.
PRIVATE HORSE OWNER'S LIABILITY
This policy is intended for the owners of pleasure, show, or any type of horse where the owner is not directly involved with the training or breeding of the animal. This policy is designed to insure you for your legal liability up to the limits of the policy. It pays for bodily injury and property damage as a result of activities involving the horse(s) you own on and off premises.
RIDING CLUB LIABILITY
The coverage of this policy is to insure the club or organization for legal liability up to the limits of the policy. It pays for bodily injury and property damage as a result of your club's activities. It can be written on an annual basis to cover all events of the year or for short term or one-time events on an individual basis.
This provides excess coverage over and above the limits of your other liability policies (auto, farm owners, homeowners). If your liability limit is used up, your Umbrella policy will take over and continue to pay for damages you are legally required to pay for bodily injury, property damage, personal injury, advertising injury, etc. up to the limit of the Umbrella policy itself.
Folck Agency, Inc.
Affiliated with National Equine Sales
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