All information on this website is for basic informational purposes only, and does not constitute advice or any guarantee of coverage from Broadstone Equine Insurance Agency, a division of Marshall & Sterling Insurance. Contact our office directly at 888-687-8555 or info@BroadstoneEquine.com to speak with an agent for complete and current information regarding all coverages.

Blog

Handling the Heat

Categories: Broadstone Equine

Handling the Heat

I had written a blog post a while ago on how best to deal with heat stress, and was about to re-post it, and then I saw this article by Dr. David Marlin on the U.S. Eventing Association's website, and honestly, he says it much better than I did. On a day when Death Valley is 130 degrees, a global (yes, global!) record, we can all be thankful we aren't dealing with that kind of heat, but temperatures across the U.S. are high enough that we need to ensure our horses are given the best chance to perform safely and successfully.


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Horse Mortality Insurance & Humane Destruction

Categories: Broadstone Equine

Horse Mortality Insurance

Humane Destruction - A Common Source of Confusion

Horse people are by nature a pretty optimistic bunch--somewhat of a prerequisite considering the nature of our sports. So, it’s understandable that most of us spend as little time as possible pondering the possibility of our horses being injured or dying.  Not a bad idea considering that a pasture accident, a bad step while training, a trailer accident, or a serious colic are just a few of the worrisome scenarios that could keep us up at night if we let them.


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New Year's Resolution - Get Horse Insurance in 2020!

Categories: Broadstone Equine

2020 New Year's Resolution - Get Horse Insurance! 

It’s a good bet that you didn’t start off 2020 pondering all the ways your horse could rack up high dollar vet bills, or heaven forbid die. Scary language, I know. And not a fun topic of conversation with your friends at the barn.

Unfortunately, as in many areas of life, what you don’t know can hurt you. So, without being too morbid, but in the interest of helping you protect your horses and your bank account, here are some reasons you might want to consider putting “Get Horse Insurance Policy” on 2020’s list of New Year’s resolutions.


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Winter Safety

Categories: Broadstone Equine

Winter Safety

For many of us, Winter brings with it a delightful menu of snow, ice, mud, and cold temperatures, all of which lead to unique horse management challenges. Consider the following scenarios to ensure you and your horse have a safe and healthy winter season.


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5 Common Horse Insurance Myths & Misconceptions

Categories: Broadstone Equine

Five Common Horse Insurance Myths & Misconceptions

As part of Broadstone Equine Insurance Agency, my career has given me the opportunity to travel around the country to events and competitions as diverse as local horse club meetings, national championships, and association conventions. What I most enjoy is meeting horsepeople from all walks of life to hear their opinions when it comes to horse insurance.  After countless conversations, combined with more than two decades of experience in the business, I’ve seen a pattern in the types of myths and misconceptions that the average horse owner has when considering their insurance options.


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Private Horseowners Liability Insurance

Categories: Broadstone Equine

Private Horseowners’ Liability Insurance

If you own or rent a house, or own a car, you have liability insurance, right?  If not, you should consider coverage if you want to help protect yourself if, for example, legal action is taken against you when a visitor slips down your front steps, or you take your eyes off the road for just a second and cause an accident.

Something you might not have thought about: What about damages caused by your horse?


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Horse Insurance 101

Categories: Broadstone Equine

Horse Insurance 101

Let's face it, insurance falls way to the bottom of the list of topics any horse owner wants to talk about.  Discussing worst case scenarios doesn't exactly make for enjoyable barn aisle or ringside small talk.  Unfortunately, as in many areas of life, what you don't know can hurt you.

So without being too morbid, but in the interest of helping you protect your investments--following is some information that might help you consider putting "Get Horse Insurance" on your to-do list.  


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Five Tips to Help Ensure a Smooth Claims Process

Categories: Broadstone Equine

Five tips to Help Ensure a Smooth Claims Process

Occasionally when a potential new client calls to find out about insuring their horse, they are already a bit hesitant because they’ve heard horror stories of claims not being covered, and they want to know, in the words of a recent potential client who was considering insuring her horse and asked me, “Is this whole horse insurance thing is just a scam.”

My answer is, in a word, “No.” And I say that after nearly two decades in the industry, with literally thousands of claims paid.  I would not be involved in an industry that did not take care of my clients, and their horses, nor would I be in business with companies that don’t keep their word as to the contracts they make with their customers.


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My Least Favorite Cliché - “Don’t look a gift horse in the mouth"

Categories: Broadstone Equine

My Least Favorite Cliche - "Don't Look a Gift Horse in the Mouth"

The idea is that it's rude to closely inspect a gift to see if it meets your standards, such as checking the gift horse’s teeth to determine its age.  To extrapolate from that idea, I am amazed at how many people purchase a horse without doing any sort of pre-purchase exam, or if they do some sort of vetting, it’s pretty much just a cursory one.  And typically the reason they give is because the horse was either a gift, or very inexpensive, such as an off-the-track Thoroughbred or a rescue.  Or even stranger, they will spend thousands of dollars on a horse, but not invest at least a few hundred more for at least a somewhat thorough vet exam.


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Making Sense of Recent Changes to Medical and Surgical Coverages

Categories: Broadstone Equine

Making Sense of Recent Changes to Medical and Surgical Coverages

There are a lot of changes happening in today’s equine insurance market, and a few of those impact horse owners in significant ways, so I thought I would address one specific area – coverages that help reimburse for veterinary expenses.

In the last several years, due in large part to drastically rising claims costs—most significantly related to medical and surgical claims—insurance companies throughout the U.S. have made changes to their coverages, often referred to as Major Medical/Surgical, Veterinary Assistance, and Medical Assistance. These changes range from the easily understood increases in premiums and deductibles, and additions of co-pays and coverage sub-limits, to only allowing these coverages on horses valued at certain amounts, or restricting the limit of coverage based on the horse’s insured value.  In the following blog, I’ll try to address these areas in more detail.


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