Equine Farm & Ranch Insurance

Protect Your Property, Livelihood & Legacy with Confidence

From boarding barns to breeding operations, we offer tailored protection for the places—and passions—you’ve built from the ground up.

Why Farm & Ranch Insurance Matters

Whether you manage a private facility, operate a full-scale training business, or run a breeding farm, your property is more than just land and buildings—it’s the foundation of your life and work. Equine operations come with unique risks that standard homeowners or farm policies often overlook.

At Equine Insurance Professionals LLC, we specialize in equestrian property insurance, with policies designed to protect:

  • Your barns, arenas, and equipment
  • Your horses—owned or boarded
  • Your liability as a business owner or landowner
  • Your income and operations in the face of unexpected loss

What Does Equine Farm & Ranch Insurance Cover?

Property Coverage

Protection for the structures and assets that keep your business running.

  • Barns, stables, arenas, fencing, sheds
  • Dwellings and detached garages
  • Tack, feed, and farm equipment
  • Loss due to fire, storms, theft, or vandalism

General & Commercial Liability

Coverage for injuries or damage that occur on your property or as part of your business operations.

  • Guest, student, or boarder injuries
  • Damage caused by farm operations or animals
  • Defense costs and settlements for covered claims

Care, Custody & Control (CCC) Insurance

If you board, train, or care for horses you don’t own, CCC covers you in the event a horse is injured, becomes ill, or dies while under your care.

  • Protects against liability claims from horse owners
  • Covers veterinary costs or replacement value (limits apply)
  • Essential for boarding and training operations

Business Interruption Coverage

If a covered loss halts your ability to operate, this coverage can help replace lost income and keep you financially afloat.

  • Critical for lesson barns, boarding facilities, or training programs
  • Helps with overhead costs during recovery

Who Needs This Coverage?

Private Barn Owners

Protect your horses, buildings, and liability even if you don’t operate a business.

Trainers & Boarding Barns

Coverage for property, client horses, and liability related to operations.

Breeders & Stallion Stations

High-value livestock and specialized facilities require tailored protection.

Equestrian Estates

Even if you don’t take boarders, owning a horse property presents unique liability risks.

Farm & Ranch Insurance FAQ

  • Is my homeowners insurance enough to cover my horse property?

    In most cases, no. Homeowners policies generally exclude liability related to horses, farm operations, or commercial use of your property (like boarding, lessons, or clinics). Even private barns without a business component often lack sufficient coverage for structures, fencing, tack, or equine-related risks.

  • What is Care, Custody & Control (CCC) Insurance and do I need it?

    If you board, train, or care for horses that you don’t personally own, CCC coverage is essential. It protects you in the event a client’s horse is injured, falls ill, or dies while in your care—and you’re found liable.


    ✔ Covers veterinary costs or the agreed value of the horse (policy limits apply)

    ✔ Not included in general liability policies—must be added separately

  • Does my policy cover clients, guests, or students getting hurt on my property?

    Yes—general liability coverage is designed to protect you if someone is injured on your property or as a result of your equine activities. This includes:

    ✔ Students falling during lessons

    ✔ Visitors tripping in the barn

    ✔ Boarders getting hurt while handling horses

  • Can I insure my fencing, arena, and tack room separately?

    Yes. We can schedule individual structures and assets on your policy to ensure accurate protection.

    ✔ Arenas, both covered and open

    ✔ Fencing and gates

    ✔ Tack rooms and stored equipment

    ✔ Portable buildings and sheds

  • What happens if a storm or fire damages my barns or equipment?

    Your property coverage helps pay for repairs or replacement of insured structures, equipment, and contents after a covered event like:

    ✔ Fire

    ✔ Wind or hail damage

    ✔ Theft or vandalism

    ✔ Lightning or power surges