Wellington · Palm Beach County
Wellington Equestrian & Horse Farm Insurance
Coverage for Wellington horse properties, barns, arenas and boarding operations, written by people who know the equestrian community.
What to know
Wellington Equestrian & Horse Farm: the details that matter
Wellington is one of the world's equestrian capitals, and a standard homeowners policy isn't built for it. Barns, arenas, horses, trailers, farm equipment, grooms and boarded horses all create exposures that need their own coverage.
- Homeowners vs. farm policiesA small private barn may fit a homeowners policy with endorsements. Larger properties or any business activity usually need a farm or commercial policy.
- Boarding other people's horsesIf you board, train or lease horses that aren't yours, you need care, custody and control coverage. Liability policies usually exclude horses in your care.
- Barns, arenas and equipmentStructures, fencing, tack, trailers and tractors need limits that reflect what they cost to replace.
- Grooms and workersEmployees and independent workers on your property raise workers' comp and liability questions we'll help you sort out.
Your coverage checklist
What a good policy includes
Use this when you compare quotes. We'll show you how each carrier handles every item.
Dwelling and barn coverage at replacement cost
Equine or farm liability
Care, custody and control for boarded horses
Tack, equipment and trailer coverage
Workers' compensation for barn staff
Umbrella above farm and auto liability
FAQ
Common questions
Does homeowners insurance cover my horses?
It typically doesn't cover the horses themselves, and liability for horses may be limited. Equine mortality and major medical are separate policies, and equine liability is often added or written separately.
What is care, custody and control coverage?
It covers your legal liability for injury to or death of horses you board, train or care for that belong to someone else. Standard liability policies usually exclude it.
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