August 2022 Issue

Page 14 August 2022 EAST COAST EQUESTRIAN By Susan Strawser, Owner Fry’s Equine Insurance Agency Fall is a great time to review your current insurance and make sure you have the coverage you need. 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. Insurance Protects Your Horse in Accident or Sickness Another policy to consider is li- ability coverage. If your horse 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. Visit us online at www.eastcoastequestrian.net Fisher’s Fencing LLC has been serving customers with their fencing needs since 2005. Our growing company strives to pro- vide customers with quality fenc- ing products and workmanship that Trust Fisher’s Fencing for Quality Products and Workmanship meets or exceeds today’s industry standards. Whether you need fenc- ing in your backyard, on your farm, or for your equine operation, Fish- er’s Fencing is dedicated to helping you find the correct application and installation at a fair price, without sacrificing quality. “We know you care for your horses. We believe you should also care about the fences surrounding them. Whether you choose our Cen Flex option, with its great flexibili- ty, or want the more traditional look of post and board fencing, we will put your equine fence in place,” said owner David Byler. “We un- derstand the importance of quality products at reasonable prices. We are committed to helping our cus- tomers in the entire process. From the initial inquiry to final instal- lation, we will be there to answer all your questions. Whatever your equine need, we’re here to help!” Fisher’s Fencing also offers slip board, vinyl horse fence, woven wire, split rail and coated high tensile as well as fencing for businesses and homeowners. Fisher’s Fencing, located in southern Lancaster County, PA is a member of the American Fence As- sociation. Most importantly – they try to respond to your request in a timely manner. Visit fisherfencing. com or email fisfen05@gmail.com.