Farm Insurance - Equirisk

The Livestock Mortality Policy is a Life Insurance policy on your horse, with the Insured as beneficiary. It is an "All-Risk" policy that will cover death from any cause, subject to certain exclusions that are stated in the policy. We will also pay you if your horse is stolen.

We will issue a Livestock Mortality Policy provided the insured horse is in sound health at the inception of the policy. We also assume you will provide proper care and attention for the horse and that you will employ a veterinarian at your expense if the horse suffers any illness, disease, lameness, injury, accident or physical disability. Also, if your horse dies, you are required to arrange and pay for an autopsy.

Should your insured horse require surgery, this endorsement will cover the costs. We will pay reasonable and customary charges for surgical treatment, including anesthesia, necessitated by accident, injury or illness. In addition to the surgery, we will pay up to 35% of the surgical fee for the horse's hospitalization, X-rays, medication and lab tests that are necessitated as a result of the surgery. There is a $50 deductible for each claim, and a $5,000 limit per animal per year. Certain exclusions apply, including racing and castration.

This insurance reimburses for veterinarian's fees for surgery and major illnesses and disease. We will pay reasonable and customary charges necessitated by accident, injury or illness for your insured horse. There is a $250 deductible for each claim, and a $7,500 limit per animal per year. This coverage will help you control veterinary expenses for unforeseen events dealing with the health of your animal.

If your horse becomes permanently incapable of fulfilling the functions for which it is used as stated on your policy but its condition does not necessitate destruction for humane reasons, you may suffer a financial loss.

If you purchase the Loss of Use endorsement we will pay you 75% of the insured value of the disabled horse.

We have the option of letting it be destroyed or taking possession and title of the horse. If you want to keep the horse, we will pay you 50% of the horse's insured value. If the accident, illness or disease your horse suffers occurs during the policy term and is reported to us during the policy term, we will still pay you after the policy expires, provided the permanence of the disability becomes apparent within 90 days after the policy expires.

All of the endorsements listed are optional and can be added to your mortality policy provided you meet the necessary requirements and pay the additional premium.

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Important notice: The information contained within this web site is meant to provide only a simplified description of our products and coverages. These are not statements of contract or a binding process. Please refer to the original policy for all terms, conditions, limitations and exclusions.	Marnitz & Associates 1068 Wellington Way Lexington, KY 40513
	(859) 223-6728 x106 (859) 223-6732 fax