Totten Group offers access to Equine Underwriters for most equine related operations.
Including:
Horse Owners, Equestrian Centres, Horse Trainers, Riding Instructors, Horse Breeders, Horse Clubs, Tour Guides, Dude Ranches, Trail Rides, Farriers, and many other equestrian type risks.
Commercial General Liability
- Provides coverage if you are sued by a third party who is injured or whose property is damaged up to the policy limits. The policy also covers defense cost and pays claims for which you are legally liable.
- $1 million or $2 million limits available - can apply for higher limits
Care, Custody Control for non-owned animals
- Provides coverage for a physical loss or injury or damage causing death of a non-owned animal in the insured's care.
Limits Available
$5,000 per animal / $25,000 per occurrence
$10,000 per animal / $50,000 per occurrence
$20,000 per animal / $100,000 per occurrence
$50,000 per animal / $100,000 per occurrence
$100,000 per animal / $100,000 per occurrence
Tenant Legal Liability
- $100,000. - $300,000. limits available
Medical Payments (excluding Participants)
- included under Comprehensive Liability
- $25,000. per Occurrence
Equestrian Participants Accident Protection
- This protection can be purchased to provide medical payments, dental reimbursement and specific loss indemnity for participants.
- This valuable protection includes riders, drivers, and participants. It is not a legal liability protection, but an accident indemnity, so these benefits are available on a "no-fault" basis.
- Base Limits include: $10,000. loss of life, dismemberment, $20,000. loss of sight, paralysis, $7,500. accident expense reimbursement, $5,000. dental reimbursement due to accident.
- Increased limit of $100,000. for loss of life, dismemberment and $100,000 loss of sight, paralysis also available.
Non-Profit Society Errors & Omissions Liability Extension
- $250,000. or $500,000. limits available.
Veterinarian Liability
Veterinarian's dealing with horses and large animals have special insurance needs.
Animal Mortality
Animal owners have a lot invested in their animals and our mortality policy offers protection for owners interested in insuring their animals against sickness and death.
Full Mortality Coverage
Surgical / Major Medical Extension
Death Claim Veterinary Reimbursement Clause
Limited Theft
Twelve Month Extension Endorsement
Commercial Liability
