Markel Specialty’s horse farm and ranch insurance can provide the coverage you need

A horse farm or ranch needs specialized insurance protection for both horses and property.

You know horses are capable of damaging property and injuring people. So your insurance coverage needs to offer insurance protection against not only those kinds of liability claims, but also provide coverage for your home, stables, equipment, and even your personal valuables.

With over 50 years of experience writing equine insurance, we understand the risks and liabilities horse farm and ranch owners like you are exposed to. That’s why we provide customizable insurance solutions to cover your farm property along with your commercial equine operation.

horse savings

A 10% credit is available towards the liability policy premium if you are a member of an accredited professional association.

Why do I need insurance for my horse farm and ranch?

It’s critical to have insurance protection against claims you may experience when managing your farm or ranch business. Markel Specialty has equine specialists writing our policies and helping with claims. We can provide liability, medical payments, along with property coverage for your home, stables, equipment, vehicles, valuables, and more—all in one policy.

Don't wait until you file a claim to find out if you have the proper insurance protection for your horse farm or ranch. Get a free quote today.

What can horse farm and ranch insurance cover?

By choosing Markel Specialty’s horse farm and ranch insurance, you can get the insurance protection you need for both horse-related liability and for your farm and ranch.

General liability
  • Commercial general liability available limits*: $300k/$900k; $500k/$1.5m; $1m/$3m
  • Coverage includes full or limited premises, equine liability, professional liability, personal liability, $5,000 medical payments, $100,000 fire legal liability, excludes products liability
  • Our commercial general liability enhancement increases limits and provide additional coverages
Farm property

This coverage includes dwellings, outbuildings, farm personal property, and disruption of farming. AG Premier and AG Essential property enhancements available to increase limits and provide additional coverages.


Auto is only available for qualified customers' farm and personal vehicles when writing the farm package; monoline auto not available.

Excess liability

Excess liability is available over the underlying Markel Specialty general liability.

*Per occurrence is the maximum amount that may be paid on a covered individual claim; aggregate is the maximum amount that may be paid on all covered claims combined within the policy period.

Our success in developing effective solutions for horse owners has proven critical to the achievement of mission goals for other associations.
Loss control
Markel Specialty is committed to providing the tools you need to help you keep safety first.
Frequently asked questions about property and liability insurance.

Get the protection and peace of mind you deserve.

Submit an online application or contact one of our appointed Markel Specialty agents to get a horse farm and ranch insurance quote today.