Equine & Agricultural Program

Picture of horse
We protect your Stable, Farm, Horse and Trainers. Martingale Underwriters offers the best programs in Horse, Farm, Stable, Trainer/Instructors and Equine Liability from "A" rated companies that specialize in the equine and farm industries. We are licensed in MA, RI, NH, ME, VT and CT.

Farm package policy

  • Multi-line policy that includes coverage such as dwelling, personal property, farm personal property, liability, auto, care, custody or control.
  • Designed for stable owners who operate a professional equine facility as a business.

Major Medical / Horse Mortality

  • Insurance reimburses the horse owner for Veterinary Fees for medical treatment, diagnostics or surgery. Typically this must be purchased in conjunction with Mortality coverage as well.
  • Equine Mortality is a Life Insurance policy for your horse, with the insured/owner as the beneficiary. It is an “All Risk” policy, which will cover death from any cause, subject to exclusions.

Commercial Equine Liability

  • Provides the necessary liability protection for most horse related operations such as training, instruction programs, breeding, boarding or buying and selling of horses.

Private horse owner liability

  • Coverage is designed to cover the horse owner’s legal liability for bodily injury and property damage to others resulting from horse ownership. The coverage is intended for individual owners of personal or show horses that do not derive income from the ownership of their horse. Ownership of a horse tends to not be covered under the normal personal liability policies such a homeowners policy.

Instructors & trainers liability

  • Coverage designed to protect horse professionals from alleged negligence, errors or omission from third party claims arising from the professional’s insured activities.

Therapeutic liability

  • Therapeutic riding programs offer riding services to individuals with special needs.

Horse Show/Special Event Insurance

  • Third-party liability coverage for special events, competitions and organized rides.

Riding Club Liability

  • Third-party liability coverage to members of horse show organizations.


  • Equine Care, Custody or Control insurance is coverage for non-owned horses, including boarding, breeding and training. Standard General Liability insurance excludes coverage for personal property such as a horse in your care custody or control.