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Animal Mortality Coverage for Horses - Minimum premium: $250 For the last three decades, Equisure — part of the Amwins Underwriting division — has developed specialty insurance programs for horse and dog owners. From private barns and boarding stables to competitive show operations, Amwins Underwriting provides a focused animal mortality program designed for agents who place equine risks. Our underwriting team brings deep equine experience and a service-oriented approach. Many underwriters are horse owners themselves, which helps when evaluating risk, explaining coverage options to insureds, and handling complex submissions. Overview of the Program from Amwins Underwriting This Animal Mortality Insurance program through Equisure is positioned for agents seeking specialty mortality and related veterinary coverages for horses (including mules and miniature horses). The program combines mortality protection (including theft) with optional major medical, emergency colic surgery, and loss of use coverage where available. Ideal Accounts and Appetite Horses, mules and miniature horses used for breeding, showing, pleasure, lessons, or boarding operations. Private owners, small and mid-size boarding stables, and show barns that need mortality and ancillary veterinary protection. Accounts where accurate valuation and basic medical histories are available for underwriting review. Not a fit: horses older than 17 years and any equine valued under $2,500 are ineligible for this program. Coverage Highlights and Advantages Mortality coverage (including theft) — primary offering for most accounts. Major medical/veterinary services — available as an enhancement to mortality where permitted. Emergency colic surgery coverage — helps manage one of the most significant and costly equine medical events. Loss of use coverage — optional for qualifying animals to address partial or permanent disablement scenarios. The program is designed to be straightforward to quote for routine risks while allowing underwriters to consider more complex or higher-value accounts on a case-by-case basis. Underwriting Notes and Minimum Premiums Minimum premium: $250. Eligible animals: horses (including mules and miniature horses). Ineligible: horses older than 17 years and animals valued under $2,500. Underwriters will review age, use, valuation method, prior medical history, and theft/theft prevention measures on higher-value submissions. Provide clear valuation documentation and recent veterinary history to reduce turnaround time. The program is administered by Amwins Underwriting as Master Policy Holder and Administrator. Territories and Availability Available in: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, 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, WY. Please confirm state eligibility and any state-specific requirements at placement. Why Work With Amwins Underwriting on This Business Specialty expertise through Equisure with three decades of focused equine programs. Underwriters who understand the equine market and can evaluate unusual or higher-value risks thoughtfully. Program administration and claims coordination handled through Amwins Underwriting’s platform, giving agents a single point for placement and servicing. Example account scenarios You have a client who owns a 10-year-old show horse (valuation above the $2,500 eligibility minimum) seeking mortality plus emergency colic surgery — this program can provide mortality plus optional major medical layers. You represent a small boarding stable that needs mortality coverage for resident lesson horses and wants the option to add loss of use on select animals — submit individual schedules with valuations and vet history for review. Frequently Asked Questions What types of accounts are a good fit for this program?Private owners, show barns, boarding stables, and similar operations with horses (including mules and miniature horses) that meet the age and valuation eligibility. Accounts should have clear valuation and reasonable veterinary history. Which horses are not eligible?Horses older than 17 years and any equine valued under $2,500 are ineligible for this program. What coverages can I quote through Amwins Underwriting’s program?Primary mortality (including theft) is available, with optional major medical/veterinary services, emergency colic surgery, and loss of use where allowed. Availability may vary by state and risk characteristics. What is the minimum premium and what should I include with a submission?The program minimum premium is $250. Include animal age, use, valuation documentation, and recent veterinary history to help expedite underwriting. Which states are supported?The program is available in the listed states (see territories above). Confirm state-specific availability at submission because requirements and coverages can vary by state. Need help placing an account? Connect with a market specialist.

Equisure, part of Amwins Underwriting, offers a dedicated insurance program for Animal Trainers across the U.S. Overview of the Program from Amwins Underwriting Amwins Underwriting (through Equisure) delivers a specialty program tailored to the exposures of professional animal trainers. The program is designed for agents and brokers who need flexible general liability and optional professional liability protection that contemplates on- and off-premises training, specialty service-dog work, and certification-related activities. Ideal accounts and appetite The program is focused on trainers who conduct structured training programs rather than pet-sitting or retail animal sales. Typical fits include: Bomb and narcotics detection dog trainers Trainers who provide Canine Good Citizen or similar certifications Obedience, confirmation, and agility trainers Specialty service dog trainers (including some therapy animal work) Cadaver dog trainers Accounts outside the program scope include animal sales, racing/wagering operations, boarding kennels, overnight sitters, dog walkers, and liability exposures tied solely to emotional support animals. Coverage highlights and advantages Commercial General Liability available with broad coverage for training operations Optional Professional Liability (available on an occurrence basis) Liability coverage applies both on-premises and off-premises—important for field training and public certification events Fire legal liability included at no additional charge (starts at $50,000) Medical payments standard at $5,000 with options to increase Care, custody, and control coverage included in most policies—key for trainers who temporarily take control of animals during sessions General liability available for a trainer’s therapy animal in most cases Underwriting notes and minimum premium Underwriting focuses on the trainer’s experience, class size, training methods, animal handling protocols, and client screening. Provide details on training location(s), typical class sizes, whether live equipment or high-risk activities (e.g., bite work) are included, and any certifications held by the trainer. Minimum premium: $500. Higher limits or additional coverages may increase premium. Territories and availability Program is available in the following states and territories: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, 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, WY. Please confirm state-specific requirements at submission. Why work with Amwins Underwriting on animal trainer business? Niche underwriting expertise through Equisure focused on animal-related exposures Competitive minimums and included features (fire legal liability, care/custody/control) that simplify placement Flexible professional liability option—useful for trainers who provide certifications or consultative services Fast, broker-friendly submission routing to underwriting—submitters can email a concise package for review Example scenarios You have a client who runs weekly obedience and agility classes for small groups and offers Canine Good Citizen testing—this program can provide GL with care/custody coverage and the option to add professional liability. You represent a training firm that prepares cadaver and detection dogs for law enforcement—this program’s on/off-premises liability and higher limits for legal liability are appropriate placements. Low minimum premium = $500 Send us a submission - click here! Frequently Asked Questions What types of animal training accounts are a good fit?Best fits are professional trainers who provide structured classes or specialty services: detection/bomb dog trainers, service/specialty dog trainers, obedience/confirmation/agility instructors, and cadaver dog trainers. The program favors organized operations with documented procedures and experienced handlers. Can I add professional liability for trainers who certify or consult?Yes. Professional liability is offered as an optional endorsement on an occurrence basis—useful when the trainer offers testing, certifications, or formal behavior consulting. Does the policy cover incidents that happen off the trainer’s premises?Yes. Liability coverage under this program can apply on and off premises, which covers field training, public events, and client-site sessions—subject to underwriting and policy terms. What information should I include when submitting a risk?Submit class descriptions (size/frequency), training activities, locations, handler experience, any contracts used with clients, and loss history. This information speeds underwriting and helps determine appropriate limits and endorsements. Need help placing an account? Connect with a market specialist.

An insurance provider that is passionate about the industry in which we serve. Equisure, part of the Amwins Underwriting division, is a specialty program designed for animal clubs, associations and organizers of animal-related events. For more than 30 years Equisure has developed targeted products that address the unique exposures of clubs, breed registries, collegiate teams and show organizers. Agents can place a wide range of accounts through this program, supported by underwriting that understands animal-related operations and member-driven organizations. Overview of the Program From Amwins Underwriting This program offers straightforward, market-ready solutions for animal clubs, associations and sanctioned or non-sanctioned events. Coverage is built to protect organizers, volunteers and members from common liability risks that arise during competitions, shows, rallies and club-sponsored activities. Equisure’s appetite emphasizes practical, affordable coverages to keep members protected and events running smoothly. Ideal Accounts and Appetite Polo clubs and other mounted-sport groups Dog clubs (excluding protection-training focused clubs) Multi-state clubs that travel or compete in several jurisdictions Breed registries and associations providing member benefits Competitive trail riding groups and endurance events Collegiate riding and animal clubs Vaulting and English/Western shows (one-day or multi-day, sanctioned or non-sanctioned) Ineligible accounts typically include rescues and sanctuaries, wagering-based racing operations, dog clubs whose primary activity is protection training, and rodeo bull riding. If you are unsure whether a specific account fits, provide a summary of operations and event profiles when submitting. Coverage Highlights and Advantages General liability tailored for club and event exposures Optional professional liability where appropriate for instructors, judges or club-run services Medical payments coverage for on-site incidents Amwins Underwriting’s Equisure program emphasizes practical policy forms and limits that reflect the realities of volunteer-run organizations and temporary event exposures. The underwriting team is experienced with common risk controls for animal events and can provide guidance on risk transfer and certificate requirements for venues. Underwriting Notes and Minimum Premiums Underwriters look for clear event descriptions, typical participant counts, venue details, and any third-party vendor activities. Standard eligibility questions include whether events are sanctioned, whether animals are transported across state lines, and whether professional trainers or paid instructors are involved. The program’s stated minimum premium is $500; actual terms and premiums depend on exposure details, limits requested and loss history. Territories and Availability This non-admitted/surplus lines program is available in the following jurisdictions: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, 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, WY. Note: Amwins positions this offering through Equisure as a specialty market—confirm surplus lines placement requirements in the insured’s home state as needed. Why Work With Amwins Underwriting on This Business Amwins Underwriting combines deep niche expertise with flexible underwriting for animal-related organizations. Agents benefit from a program that understands member-driven clubs, offers practical coverages, and has a track record of working with events and associations. Submissions that include clear activity descriptions, participant numbers and venue information will receive the most efficient review. Example scenarios You have a regional dog-breed club that runs two one-day shows per year and provides member benefits—this program can provide general liability and optional professional coverages for judges and trainers. A collegiate equestrian club that travels to sanctioned events in multiple states needs a single program to cover both practices and competitions—Equisure can underwrite multi-location exposures through this offering. Frequently Asked Questions What types of accounts are a good fit for the Equisure program?Clubs and associations focused on non-racing animal activities—polo clubs, dog breed clubs, collegiate groups, trail-riding and sanctioned or non-sanctioned shows—are ideal. The program is designed for member-based organizations and event organizers rather than rescues or wagering/racing operations. What coverages can I request through this program?Primary offerings include general liability and medical payments, with optional professional liability in many cases. Limits and coverage parts will depend on the account’s operations and the underwriting review. Is this program admitted in the states listed?The program is offered on a non-admitted (surplus lines) basis. Agents should follow surplus lines placement and disclosure requirements that apply in the insured’s home state. What information helps speed underwriting and placement?Provide a clear description of club activities and events, typical participant/attendance numbers, venue types, whether events are sanctioned, any paid instructors or vendors, and loss history. This information allows for a faster, more accurate quote and reduces follow-up requests. Need help placing an account? Connect with a market specialist.

...n equine risks helps identify and price exposures specific to horse operations...