Equine Insurance

Equine Insurance

Major Medical & Mortality • Liability • Operations

Protect what matters most — your horses and your equine operations. At Pacific Farm & Ranch Insurance Agency, we specialize in comprehensive equine insurance designed for every type of horse owner, from casual riders to competitive barns to full equine businesses. Our goal is to provide tailored protection, competitive rates, and the personal service every horse owner deserves.

Whether you need mortality coverage for your equine partner, major medical protection for unexpected veterinary expenses, or liability insurance for your training or boarding operation, we help you build the right policy for your needs.

  • Equine Mortality & Major Medical
  • Equine Liability
  • Equine Professional Liability
  • Equine Care Custody & Control
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Horse Mortality & Liability

Protect your horses and equine operations with equine mortality & major medical, equine liability insurance, protecting animals, trainers, riders, events, and more for peace of mind!
Equine Mortality Insurance
MORTALITY & MEDICAL
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Equine Major Medical Insurance

LIABILITY

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Equine Liability Insurance
EVENT
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Equine Operations Business Insurance
OPERATIONS
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Equine Coverages We Offer

Protects your horse in the event of death, theft, and covered medical or surgical expenses related to accident, injury, or illness.

See What’s Covered

Equine Mortality Insurance
Coverage for death, theft, and humane destruction because of covered accident, injury, or illness. This is the foundation of most equine policies and protects your horse’s insured value.

Equine Major Medical and Surgical
Coverage for veterinary expenses due to accident, injury, or illness. Policies can include diagnostics, surgery, emergency treatments, and advanced care depending on the carrier and selected limits.

Equine Liability Insurance
Protection for trainers, instructors, boarding barns, clinics, shows, events, and equine professionals. This coverage helps safeguard you from claims involving bodily injury or property damage related to equine activities.

Care, Custody and Control (CCC)
Coverage for non-owned horses in your care for training, boarding, or handling. CCC helps protect you if a horse you do not own is injured or dies because of negligence for which you are held legally responsible.

Tack and Equipment Coverage
Protection for saddles, bridles, show tack, and other valuable equipment against theft, fire, and certain forms of accidental damage.

Equine Facility and Property Coverage
Coverage for barns, arenas, stables, hay storage, equipment, and structures used in your equine operation. Ideal for farms, training centers, boarding barns, and show facilities.

Equine Professional Liability
Coverage for trainers and instructors against claims related to teaching, coaching, training services, or handling horses professionally.

Customized Equine Packages
Every horse and every operation is different. We help you build a policy that fits your specific needs, whether you own a single trail horse or manage a full equine business.

Why Horse Owners Choose Pacific Farm & Ranch

We understand horses because we live the equestrian lifestyle. Our team brings industry knowledge, hands-on horse experience, and a commitment to providing coverage you can trust. We partner with top carriers to ensure competitive pricing, broad protection options, and responsive claims support when you need it most.

With our expertise, you can confidently manage risks while enjoying your horses, your business, and your equine community.

Who We Serve

  • Individual horse owners
  • Competitive and show barns
  • Trainers and instructors
  • Boarding and breeding facilities
  • Ranch owners and recreational riders
  • Youth programs, lesson barns, and equine nonprofits
  • Equine event organizers and clinicians

Ready to Protect Your Horses and Operation?

Our team is here to help you select the best coverage for your needs. Contact us today for a personalized quote or to review your existing policy.