Horse Farm Insurance

Appropriate liability coverage is the lynchpin of any proper horse-farm insurance policy.  Generally we recommend carrying a minimum of $1,000,000, with higher limits available.  Equine liability protects the farm owner and/or stable operator from bodily injury or property damage liability arising from horse-related activities.  

Horse Boarding liability insurance protects the farm owner and/or stable operator from bodily injury or property damage liability arising from the business of boarding and caring for horses owned by other people.  Rates are determined by the number of horses being boarded.

Riding lessons liability insurance protects the farm owner and/or stable operator from bodily injury or property damage liability arising from giving riding lessons on horses owned by the stable or by students.  Rates are determined by the frequency, duration, and type of lessons given.

Horse camp or riding academy liability insurance protects the farm owner and/or stable operator from bodily injury or property damage liability arising from having campers or students on the property and participating in horse-related activities.  Rates are determined by the number of campers/students, the length of the camp/academy, and the type of instruction given.

Horse show/clinic liability insurance protects the farm owner and/or stable operator from bodily injury or property damage liability arising from the risk of: 1) Having the public and participants onto the farm property for a clinic or show and/or 2) Traveling to other locations, with or without students, to participate in off-premises shows/clinics.

We offer flexible coverage and excellent rates for all manner of horse barns, whether you have a rustic run-in shed or a million dollar custom stable.  Do not buy insurance on your barn without checking with us first!  Our rates are the best around.

Even though many farms invest thousands of dollars in gear, tack is an item that is often forgotten when it comes to insurance.  Our products offer flexible coverage options for tack, both on and off-premises.

We can insure your home on the same policy as your farm and horse-related items.  Combining coverage makes everything cheaper!  Flexible coverage and discounted rates are available.

Almost every farm operation has mobile farm machinery.  We offer excellent coverage and low rates on tractors and other farm equipment.  From small operations with one small tractor to service the premises, to larger farms with hundreds of thousands of dollars of equipment, you could be saving money insuring your machinery with Johnson Insurance.  

Many operations have mobile homes or stick-built homes on the property, occupied by family, employees, or other tenants.  We can cover these dwellings on the same farm policy as all of the above items, for rates generally lower than our competition.

Many operations employ full or part-time help for farm labor.  Even the smallest operation typically hires an extra pair of hands here and there.  Many owners do not know that they could be held responsible for an employee's injuries, even if it is just a part-time employee on a small job.  If you use hired help in any capacity at any time, you have an exposure to an employee-injury-lawsuit.  We offer an Employer's Liability endorsement, for an extremely low cost, that protects the grower against liability from employee injuries.