Our motto is "take care of your horse and then immediately call the insurance company."
Notifying the claims office:
First and foremost, make sure your horse is getting proper veterinary attention if he/she suffers an injury, illness, lameness, accident or disease. Then, it is very important that you notify the claims office immediately if your horse is being seen by a vet for other than routine maintenance care, otherwise coverage availability under your policy could be jeopardized. Claims adjusters are available 24 hours/day, seven days/week to assist you. Please also note that if you are in a position where you are considering euthanizing your horse, it is very important that you contact the insurance company prior to putting the horse down. Not contacting the company could forfeit any possible coverage under your policy. Please make sure anyone who has the care, custody and control of your horse is aware of these requirements.
In addition, if your horse dies, you must contact the insurance company immediately, and make sure not to bury or otherwise dispose of the horse, as the insurance company may require a necropsy.
If your policy is with:
The Hartford Insurance Company: call (800) 295-1815; After Hours (800) 427-4876
XL Specialty Insurance / XL Insurance Group: call (800) 732-6012 or or (859) 263-2061
American Reliable Insurance Company: call (800) 732-6012 - please call this number first; If you cannot reach someone After Hours, call (866) 765-0474
Equine Policy Claims Dos and Don'ts
* Report a Loss Immediately
* Contact your Veterinarian
* Make Arrangements for an Autopsy - one may be required by the insurance company
* Call Police in cases of theft, shootings, or vehicular involvement.
* Have the horse destroyed without the insurance company's consent
* Have the horse removed prior to having an autopsy completed
* Neglect to file a police report if one is needed.
Liability/Farm Property Policies Claims Numbers
American Bankers/American Reliable: call toll free (800) 245-1505
If you are not sure who your policy is with, please call us at (888) 687-8555.