Allen Financial Insurance Group (AFIG) has been a trusted partner to insurance producers and brokers nationwide since 1971. Through specialized programs and strong carrier relationships, AFIG helps agents place complex agribusiness, equestrian, farm, outfitter/guide, and recreation risks that often don’t fit standard markets. Our programs are built to address the exposures common to these industries while delivering fast, practical service to brokers.
The Equestrian Group
The Equestrian Group, a division of Allen Financial Insurance Group, is recognized for innovation and leadership in the equine and agribusiness insurance space. Our underwriters helped develop many of the coverage forms now used for horseowner and farm policies. With decades of industry experience, we deliver tailored programs for horse owners, riding instructors, boarding and training facilities, breeders, and other equine professionals. Our forms and endorsements are designed to match real-world exposures while remaining competitive in price.
Overview of the Program
AFIG’s Agribusiness, Equestrian, Farms, Outfitters & Guides, and Recreation Programs go beyond standard farm packages. The program covers a broad range of operations and services, including:
- Equestrian facilities and sanctioned or private events
- Working and hobby farms with livestock and crop exposures
- Outfitters and guides offering hunting, fishing, and wilderness tours
- Recreational programs and facilities such as camps, retreats, dude ranches, and seasonal programs
We focus on flexible solutions for accounts that need industry-specific forms, participant or volunteer exposures, care/custody & control, or combined property and liability placements.
Ideal Accounts and Appetite
Use this program to place accounts such as:
- Therapeutic riding centers that provide lessons, clinics, and boarding
- Family-owned ranches offering guided trail rides and seasonal hunting excursions
- Youth summer camps with horseback riding and outdoor recreation curricula
We are a strong market for farm and ranch operations—especially those with equine exposures, agritourism components, or outdoor recreation. Accounts with routine motorized vehicle rental or operation, very large spectator crowds, or extreme/adventure sports may require additional underwriting review or be declined.
Coverage Highlights and Advantages
AFIG’s program offers broad, industry-focused coverage forms and options tailored for agents who need market-ready solutions, including:
- General Liability and Professional Liability for instructors and camp staff
- Care, Custody & Control for non-owned and boarded horses
- Property coverage for barns, stables, arenas, tack, equipment, and buildings
- Commercial Auto and Umbrella excess layers
- Participant Accident and Medical coverage for recreational activities
Because we specialize in these classes, our forms are less generic and better aligned with the actual exposures your insureds face. That specialization helps when you need tailored endorsements or unique limits for equine or outdoor recreation risks.
Underwriting Notes and Carriers
This program is placed on a non-admitted basis through leading carriers, including American Reliable, Travelers, and United National. Our underwriters are experienced with equine and agribusiness risks and can often quote, bind, and issue policies quickly—frequently the same day when submissions are complete. Provide clear details on operations, participant activity, volunteer use, horse values, and safety protocols to speed underwriting.
Territories and Availability
The program is available in most U.S. states, including: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Availability may vary by carrier and by state—contact us to confirm eligibility for a specific risk.
Example Account Scenarios
- You have a client who operates a boarding and training barn that offers weekly lessons and hosts small clinics; this program can combine property, GL, and care/custody & control to cover those exposures.
- You’re placing a youth camp that includes trail riding and supervised outdoor activities; we can package participant accident coverage with general liability and property limits suitable to the seasonal operations.
Why Work With Allen Financial Insurance Group
As a national general agent and program administrator, AFIG offers deep niche expertise, fast turnaround, and direct access to major markets for equine and agribusiness risks. Our underwriters know industry practices, common loss drivers, and practical risk controls—so you get realistic terms and responsive service. Whether you’re placing a single equine policy or managing a portfolio of recreational accounts, AFIG provides the underwriting know-how and carrier access to help you place business efficiently.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Ideal accounts include equestrian centers, boarding and breeding farms, outfitters and guides, recreational programs, and agribusinesses with exposures that standard markets may not accept or cover adequately.
Is this program available nationwide?
This program is available in most states across the U.S. Availability can vary by carrier and by state—please contact us to confirm placement options for a specific location.
Are policies written on an admitted or non-admitted basis?
Policies under this program are typically written on a non-admitted basis through carriers such as American Reliable, Travelers, and United National.
Can you provide same-day quotes?
Yes—when the submission is complete and the risk is straightforward, we can often quote, bind, and issue policies the same day.
What coverages are typically included?
Common coverages include General Liability, Property, Professional Liability, Care/Custody/Control, Commercial Auto, Umbrella, and Participant Accident. Specific options depend on the account.
Need help placing an account? Connect with a market specialist.