Protecting Oregon's Horses and Equestrian Community
Oregon has a rich equestrian culture — from the working ranch horses of Eastern Oregon to the competitive show horses of the Willamette Valley, the trail riding community of Central Oregon, and the thoroughbred and quarter horse operations throughout the state. Horses represent a significant financial and emotional investment that deserves specialized insurance protection.
Standard homeowners and farm policies typically provide limited coverage for horses — often only covering them as livestock under a farm policy with basic mortality coverage. A dedicated equine insurance program provides comprehensive protection for mortality, major medical expenses, loss of use, and liability — tailored to the specific needs of horse owners and equestrian businesses.
Insure Pacific works with specialty equine insurance carriers to provide comprehensive coverage for individual horse owners, boarding stables, riding schools, training facilities, and equestrian centers throughout Oregon.
Why Oregon Horse Owners Choose Insure Pacific
- Access to specialty equine insurance carriers
- Coverage for horses of all types and values
- Major medical and surgical coverage
- Equestrian facility and boarding stable coverage
- Equine liability for horse owners
- Horse transit and trailer coverage
- Breeding and stallion insurance
Equine Insurance Coverage Types
Comprehensive protection for horse owners and equestrian businesses
Equine Mortality Insurance
Coverage for the death of your horse from accident, illness, or disease. Available for horses of all values — from pleasure horses to high-value performance and breeding animals.
Major Medical & Surgical
Covers veterinary expenses for surgery, hospitalization, and major medical treatment resulting from illness or injury. Essential for horses with high medical care costs.
Loss of Use
Covers permanent loss of use of a horse for its intended purpose — such as a performance horse that can no longer compete due to injury. Pays a percentage of the horse's insured value.
Equine Liability
Protects horse owners and equestrian businesses against third-party bodily injury and property damage claims arising from horse ownership and equestrian activities.
Equestrian Facility Insurance
Commercial property and liability coverage for boarding stables, riding schools, training facilities, and equestrian centers — including structures, equipment, and business income.
Horse Transit & Trailer Coverage
Coverage for horses during transport by trailer or commercial carrier, including mortality and injury coverage during transit. Also covers horse trailers and towing vehicles.
Breeding & Stallion Insurance
Specialized coverage for breeding stallions and mares, including infertility coverage, embryo transfer, and loss of breeding income from covered causes.
Riding Instructor & Trainer Liability
Professional liability coverage for riding instructors, trainers, and equestrian coaches against claims arising from instruction, training, and professional services.
What Equine Insurance Covers
A comprehensive equine insurance program covers the full spectrum of horse ownership and equestrian business risks — from the mortality of individual horses to the liability of equestrian facilities. Here is what a well-structured equine insurance program typically includes:
Frequently Asked Questions
Common questions about equine and horse insurance in Oregon
What does equine insurance cover?
Equine insurance covers the death of your horse (mortality), major medical and surgical expenses, loss of use due to permanent disability, theft, and equine liability. Commercial equestrian facilities can also insure their property, buildings, and business operations. Coverage is available for horses of all types and values.
How much does horse insurance cost in Oregon?
Equine mortality insurance typically costs 2.5% to 4% of the horse's insured value annually. A horse insured for $10,000 might cost $250 to $400 per year for basic mortality coverage. Adding major medical, loss of use, and liability coverage increases the premium. Contact Insure Pacific for a customized equine insurance quote.
Do I need equine liability insurance as a horse owner?
Yes. Oregon's Equine Activities Liability Act provides some protection for equine professionals, but it does not eliminate all liability for horse owners. If your horse injures a person or damages property, you could face significant liability claims. Equine liability insurance protects you against these risks.
Is my horse covered under my homeowners or farm policy?
Possibly, but often with significant gaps. Homeowners policies typically exclude livestock. Farm policies may cover horses as livestock but often with limited mortality coverage and no major medical or loss of use. A dedicated equine policy provides much more comprehensive protection for valuable horses.
