April 2020 Issue

Page 18 April 2020 EAST COAST EQUESTRIAN FRY’S EQUINE INSURANCE 614-875-3711 Mortality  Medical Options  Loss of Use Farmowners  House/Buildings  Equipment/Tack Boarding  Lessons  Training Care, Custody & Control  Club Liability  Horse Shows Call us at 614-875-3711 for knowledgeable and friendly service. We take the time to listen and help you make the right decision for all your equine insurance needs. www.FrysEquineInsurance.com info@FrysEquineInsurance.com By Susan Strawser Owner, Fry’s Equine Insurance Agency We don’t like to think about it but it is important to consider insuring your horse. This is not only a way to protect your finan- cial investment in your horse, but also a way to protect your horse in the event of an accident or sickness. Mortality insurance provides coverage on the life of the horse and includes theft and some colic surgery coverage. These policies are fairly standard throughout the insurance industry. Where you see the difference in these policies are in the med- ical options that cover required treatments and surgeries. You can purchase major medical endorse- ments or surgical-/colic-only endorsements. For some horses, you may want to consider loss of use (in the event a horse is injured and can no longer perform his intended use) or fertility coverage. Another policy to consider is liability coverage. If your horse Insurance Protects Your Horse in Accident or Sickness hurts someone or damages their property do you have protection under your homeowners policy? If you don’t, you should consider a Private Horse Owners Liability policy. If you board your horse at another facility, you have a lia- bility exposure. Your horse could kick another horse or get out on the road. The injured party will most likely name you in a claim, as owner of the horse, along with the boarding facility; and you will need to defend yourself. How much time will it take and what is your attorney’s hourly fee? The cost of this policy is equal to about one hour of your attorney’s time. As a horse owner you have a lot of responsibility – protecting your horse and yourself. Fry’s Equine Insurance Agency is here to help you get the right coverage at the right price so you have peace of mind. For more information visit FrysEquineInsurance.com, call (614) 875-3711 or email Susan@ FrysEquineInsurance.com. Tired of running to the tack shop to find your East Coast Equestrian? SUBSCRIBE! You’ll get it in your mailbox each month (before it hits the tack shop) for as long as you like. PLUS : Place FREE classifieds each month. Just $20! Visit eastcoastequestrian.net to sign up.