Loss of use coverage is an endorsement which can be added to the full mortality and theft policy.

It will pay a percentage of the horse's insured value if the horse becomes permanently unfit to perform its stated use on the policy. In other words, there is a career-ending injury or illness. The company requires that major medical also be carried if loss of use is purchased. To be eligible, the horse must be between the ages of 3 and 12, valued between $25,000 and $500,000, and must pass a rigorous veterinary evaluation.

We recommend that loss of use coverage be approved by the Company underwriter prior to purchase of a new horse if this coverage is a consideration in your insurance program. The coverage is available for hunters, jumpers, dressage, cutting and reining horses only.

Contact us for rates and more information.