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Blog Category: Broadstone Equine

Winter Safety

Categories: Broadstone Equine

Winter Safety

For many of us, Winter brings with it a delightful menu of snow, ice, mud, and cold temperatures, all of which lead to unique horse management challenges. Consider the following scenarios to ensure you and your horse have a safe and healthy winter season.


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5 Common Horse Insurance Myths & Misconceptions

Categories: Broadstone Equine

Five Horse Insurance Myths & Misconceptions

As part of Broadstone Equine Insurance Agency, my career has given me the opportunity to travel around the country to events and competitions as diverse as local horse club meetings, national championships, and association conventions. What I most enjoy is meeting horsepeople from all walks of life to hear their opinions when it comes to horse insurance.  After countless conversations, combined with more than two decades of experience in the business, I’ve seen a pattern in the types of myths and misconceptions that the average horse owner has when considering their insurance options.


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Private Horseowners Liability Insurance

Categories: Broadstone Equine

Private Horseowners’ Liability Insurance

If you own or rent a house, or own a car, you have liability insurance, right?  If not, you should consider coverage if you want to help protect yourself if, for example, legal action is taken against you when a visitor slips down your front steps, or you take your eyes off the road for just a second and cause an accident.

Something you might not have thought about: What about damages caused by your horse?


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Insuring Your Horse - Commonly Asked Questions

Categories: Broadstone Equine

In talking to prospective clients every day, a lot of the same questions come up and I thought I would share some of the more common in this blog.


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Horse Insurance 101

Categories: Broadstone Equine

Let's face it, insurance falls way to the bottom of the list of topics any horse owner wants to talk about.  Discussing worst case scenarios doesn't exactly make for enjoyable barn aisle or ringside small talk.  Unfortunately, as in many areas of life, what you don't know can hurt you.

So without being too morbid, but in the interest of helping you protect your investments--following is some information that might help you consider putting "Get Horse Insurance" on your to-do list.  


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Five Tips to Help Ensure a Smooth Claims Process

Categories: Broadstone Equine

Occasionally when a potential new client calls to find out about insuring their horse, they are already a bit hesitant because they’ve heard horror stories of claims not being covered, and they want to know, in the words of a recent potential client who was considering insuring her horse and asked me, “Is this whole horse insurance thing is just a scam.”

My answer is, in a word, “No.” And I say that after nearly two decades in the industry, with literally thousands of claims paid.  I would not be involved in an industry that did not take care of my clients, and their horses, nor would I be in business with companies that don’t keep their word as to the contracts they make with their customers.


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My Least Favorite Cliché - “Don’t look a gift horse in the mouth"

Categories: Broadstone Equine

The idea is that it's rude to closely inspect a gift to see if it meets your standards, such as checking the gift horse’s teeth to determine its age.  To extrapolate from that idea, I am amazed at how many people purchase a horse without doing any sort of pre-purchase exam, or if they do some sort of vetting, it’s pretty much just a cursory one.  And typically the reason they give is because the horse was either a gift, or very inexpensive, such as an off-the-track Thoroughbred or a rescue.  Or even stranger, they will spend thousands of dollars on a horse, but not invest at least a few hundred more for at least a somewhat thorough vet exam.


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Making Sense of Recent Changes to Major Medical/Surgical Coverage

Categories: Broadstone Equine

There are a lot of changes happening in today’s equine insurance market, and a few of those impact horse owners in significant ways, so I thought I would address one specific area – Major Medical/Surgical coverage.

In the last several years, due in large part to drastically rising claims costs—most significantly related to Major Medical/Surgical claims—insurance companies throughout the U.S. have made changes to their Major Medical/Surgical coverages. These changes range from the easily understood increases in premiums and deductibles, and additions of co-pays and coverage sub-limits, to only allowing Major Medical/Surgical coverage on horses valued at certain amounts, or restricting the limit of coverage based on the horse’s insured value.  In the following blog, I’ll try to address these areas in more detail.


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An Unusual New Year’s Resolution – Insure Your Horse in 2019!

Categories: Broadstone Equine

Let’s face it, insurance falls way to the bottom of the list of topics any horse owner wants to talk about.  Discussing the variety of ways our horses can be injured, or heaven forbid die, doesn’t make for enjoyable barn aisle or ringside conversation.

Unfortunately, as in many areas of life, what you don’t know can hurt you. So without being too morbid, but in the interest of helping you protect your investments--especially in these changing economic times--here are some reasons you might want to consider putting “Get horse insurance policy” on 2015’s list of New Year’s resolutions.


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Commonly Asked Horse Insurance Questions

Categories: Broadstone Equine

In talking to prospective clients every day, a lot of the same questions come up and I thought I would share some of the more common in this blog.


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Tips for Owning Horses in an Uncertain Economy

Categories: Broadstone Equine

It’s been a rough couple of years, and while in general signs are pointing to improvements in the economy, making ends meet can still be a struggle for many horse owners.  Following are some tips to help during an uncertain economy.


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The True Cost

Categories: Broadstone Equine

While pondering what to write about for this blog installment, I realized that I’ve covered a lot of the usual insurance-related topics: types of coverages, myths and misconceptions, value and benefits, safety and risk assessment.  I thought I was starting to run out of ideas when I hit on a philosophy that I often use when writing about the topic of insurance, basically that while we don’t think twice about insuring our other valuable property--vehicles, houses, equipment, trailers--why don’t we automatically include our horses on that list?


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Fire Prevention

Categories: Broadstone Equine

A barn fire is one of most every horse or farm owner’s worst nightmares, and I have been unfortunate enough over the years to have several clients lose horses and property in these devastating situations.  And while not every fire is avoidable, acts of God and just plain bad luck are often at play, there are still a number of ways you can lessen the chances of facing the loss and heartbreak of a barn fire.


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