Bob Byrd Insurance, Inc is committed to providing you with the most comprehensive, cost effective coverages available, along with excellent service. Our combined experience, not only in the insurance industry, but the equine industry as well, allows us to tailor your insurance program to fit your specific needs.

 

Julie Byrd is one of the agency producers, and “The 3rd Byrd in Insurance”, that specializes in a unique market, (Equine Insurance Coverages) as well as many other non-equine related insurance products for clientelle. Julie has also been an equestrian most of her life and shares in the understanding and love of horses.

 

Linda Ruemler is also one of our agency producers and has had ample personal farming experience. She was born & raised on the farm and is still farming with her family today. Linda showed livestock as a 4-H member for ten years and was also actively involved as a FFA member, judging livestock. Linda was also elected the Chapter Sweetheart of the FFA. The Ruemler’s own livestock and farm in Northern Indiana. Farm Insurance is one of Linda’s specialty markets, along with Life and Health Insurance.

 

Bob Byrd Insurance offers Farm Insurance from many fine companies for those clients that have more then just a standard home and automobile to insure. As you know, farms can incorporate many aspects per individual basis. Bob Byrd Insurance offers an excellent Farm package to protect all of your farming needs.

 

The horse industry consists of unique liability exposures that most home and farm insurance policies exclude or severely restrict. Whether your activities involve riding lessons, breeding, racing, showing, boarding, or training, we can custom design a policy to fit your needs. This policy can provide the necessary legal liability protection for most horse-related operations. It is intended for the amateur or professional, a single instructor or a large commercial facility with various policy limits available to fit your needs.

 

Liability policies protect you if you are sued by a third party due to property damage, bodily injury or wrongful act that occurs while involved in any of your covered equestrian exposures. Coverage includes defense costs as well as paying claims for which you are legally liable up to the policy limits. Pricing is based upon your level of activity as well as the operations you undertake.

 

Equine Full Mortality coverage is provided for death as a result of injury, illness, humane destruction, and transportation anywhere in the continental U.S.A. or Canada and includes loss or death as a result of theft. Premium rate is based on the horse’s use, breed, and age.

 

The equine industry consists of many exposures that standard home and farm insurance policies exclude or severely restrict. The “horse farm” policies currently available are usually adapted from coverage forms most often used to cover grain or livestock operations. The Equestrian Farm Owner policy is specifically designed for private & commercial equestrian properties in which the facility is used for equestrian activities and incidental farming.

Available to professionals breeding, boarding, training, instructing, and/or operating any eligible equine facility, this policy provides coverage for bodily injury or property damage to third parties arising from declared commercial equestrian activities.

 

This policy can be extended to provide on premises coverage for independent trainers or instructors, while acting within the scope of their duties at your operation. Independent instructors and trainers should obtain their own CGL coverage for activities outside of your operation.

 

Should a clinician need coverage for an event at your facility, the clinician can be added to your CGL policy as Independent Trainer or Instructor.

Available to a HORSE OWNER or the LESSEE OF THE HORSE, this coverage is designed to provide coverage for bodily injury or property damage to third partied caused by your personally owned or personally leased horse when used for personal or pleasure purposes. This coverage can be written as an individual policy or it can be added to a CGL policy.

 

Equine Personal Liability policies automatically include your spouse and your children of any age when written as an individual policy. Coverage is provided in the event you are sued by a third party who has been injured or whose property has been damaged. The policy covers defense costs and pays claims for which you are legally liable up to the policy limits.

The Equine Farm Owner policy program insures the usual and unique property exposures of most horse farm owners, whether your operations are primarily personal, commercial or both. It provides insurance coverage for your dwelling and offers related coverage’s for farm buildings including barns, arenas and farm personal property such as tack and related equipment.

 

The Equine Farm Owner coverage can be combined with the Equine Commercial General Liability coverage and Care, Custody or Control coverage, plus other coverage options. Comprehensive personal liability, at limits equal to the occurrence limit, can be written if the principle residence is owner-occupied. Coverage includes defense costs and will pay claims for which you are legally liable up to the policy limits.

 

*Traditional Non-Equine Farm Owner Policies are also available for those clientele who do not participate in equine activities nor own horses.

Equine Full Mortality coverage is provided for death as a result of injury, illness, humane destruction, and transportation anywhere in the continental U.S.A. or Canada and includes loss or death as a result of theft. Premium rate is based on the horse’s use, breed, and age.

 

Equine Mortality policies can also include coverage for the cost of medical and surgical procedures including diagnostics as a result of accident, illness, or disease at various policy limits. Optional endorsements may be added to the policy as well such as stallion infertility, lose of use, and third party liability.

CCC Coverage protects you in the event you or an employee of your operation are found legally liable for the death, injury or theft of a horse that is in your Care, Custody or Control. Incidental transit coverage within the continental U.S. and Canada is included with the CCC coverage.

 

NOTE: Commercial General Liability policies do not provide coverage for other people’s horses in your care.

 

CCC Coverage limits are on a per horse/per year basis. This coverage can be written as an individual policy, or this coverage can be added to an existing policy.

Liability coverages for special equine activities such as:

 

-Race horse owners and trainers

-Equine commercial general liability

-Equine event coverages for camps, clinics, shows, etc

-Equine clubs and associations liability.