About Farm Family
Farm Family Casualty Insurance Company and United Farm Family Insurance Company, headquartered in Glenmont, New York, are part of the Farm Family group of companies which has been providing insurance protection for families and businesses in rural and suburban areas since the mid-1950s. Farm Family agents are insurance professionals who recognize that personal service is the key to meeting your individual and business needs. We’re big enough to meet a wide range of coverage needs protecting families and business assets, yet small enough to listen to your concerns and provide the expert attention you deserve. Talk to a local Farm Family agent today, and find out what we can do for you. Call 1-800-THE FARM (1-800-843-3276), or visit our Web Site at www.farmfamily.com.
Commercial General Liability for Horses
Farm Family’s tailored coverage for the equine enthusiast
Farms s Homeowners s Businessowners Contractors s Commercial General Liability Personal and Business Auto Umbrella Liability s Pollution Liability s Country Estate
This brochure contains only a general description of the coverages and is not a statement of contract. All coverages are subject to the terms and conditions of the policy itself. Not all coverages are available in all states. Products are offered by Farm Family Casualty Insurance Company in CT, DE, MA, ME, NH, NJ, NY, RI, VT, and W V; and by United Farm Family Insurance Company in MD and PA. X-2070 (11/99)
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If you own, board, breed, train, race or sell horses, we need to talk.
Reviewing your coverage costs nothing Not reviewing it could cost you everything. Farm Family provides a full range of coverages, including policies tailored to the specific needs of horse enthusiasts. Whether you breed horses as a profession, or board them for recreation, we can advise you on the right type of coverages to best protect your interests.
Tack and other equestrian equipment can be included under the SFP “10” policy.
CARE, CUSTODY AND CONTROL
An optional coverage on our SFP “10” policy, — Care, Custody and Control — provides protection in the event that someone else’s animal dies or suffers an injury while in your care, and you are held legally responsible. While many people falsely assume that these situations are covered by standard liability insurance, the fact is that almost all liability policies contain a provision which excludes this important coverage. Farm Family offers this coverage under an optional endorsement. Look to Farm Family as the source for your equine insurance needs, including:
COMMERCIAL GENERAL LIABILITY FOR HORSES (CGL)
A CGL policy is designed to cover many situations involving horses. It can help protect you from claims brought against you as a result of your horse operation. CGL coverage applies to the specialized needs of operations involving horse-drawn carriages, sleighs, hay rides, pony rides and more.
PROPERTY COVERAGE
Residences Barns Hay & Grain
Farm Products & Supplies Tack Farm Machinery Care, Custody & Control Hay & Sleigh Rides Carriage & Buggy Rides
LIABILITY COVERAGE
Shows Clinics Riding Instruction Boarding Liability
SPECIAL FARM PACKAGE “10” (SFP “10”)
One of the cornerstones of Farm Family’s coverage is our SFP “10” policy, providing effective yet flexible property and casualty coverage relevant to horse operations of varying size and scope. A number of coverage options ensures you’re getting just the right amount of coverage you want. Major SFP “10” coverage categories include: Residences and Household Contents Buildings and Building Contents Farm Personal Property Scheduled Personal Property Liability