For operations where the assets eat, spook, and jump fences.
Wellington to Ocala runs through South Florida's horse economy — boarding barns, training operations, breeding farms, and the ranchettes in between. It is a risk profile the standard package was never built for, and the gaps show up exactly where the money is.
What we cover
Farm and ranch property
Barns, arenas, tack, equipment, and the home on the same parcel — one program that understands the property is also a workplace, built for coastal wind and what a Florida summer does to structures.
Equine liability
The riding lesson, the trail ride, the visitor in the barn aisle. Liability shaped to an operation where large animals and the public share space — including the events and shows that bring them together.
Care, custody, and control
The most misunderstood line in the industry. Horses you board, train, or haul belong to someone else — and your general liability excludes damage to property in your care. This is the coverage that answers for the boarder's horse, not yours.
Mortality and major medical
For the animals that are themselves the balance sheet — bloodstock, performance horses, breeding stock — coverage for death, theft, and the veterinary bills that follow a career-threatening injury.
The working side
Farm auto, the trailer on the interstate, and workers' compensation for grooms and barn staff — the unglamorous lines that keep an operation running after a bad day.
What goes wrong
The boarder's horse and the barn's policy
A boarded horse is injured in your care. Your liability policy reads “property of others in your care, custody, or control — excluded.” Without CCC coverage, the barn pays out of pocket or loses the client and the reputation together.
The ranchette that outgrew its homeowners policy
Ten acres, six stalls, and two boarders paying monthly — that is a business, and homeowners policies exclude it. It works until the first claim, and then it does not.
The waiver that was supposed to be the insurance
Releases matter, and they are not coverage. When the injury is serious enough, the waiver gets tested and the defense costs arrive either way.
Walk us through the operation
Boarding, training, showing, breeding — tell us the mix, and we will build the program around how the barn actually runs.
Start the conversation