From the quote process to settling your claim, Smith-Embry strives to make the insurance process as easy as possible. We want you to understand your insurance policy and our experts welcome your questions about equine insurance.



Smith-Embry Insurance


Smith-Embry agents offer 40+ years experience in providing insurance protection for your Horse, your Farm/Ranch Property as well as Comprehensive Liability programs designed for your equine activities.  As an agency specializing in equine insurance, we have access to insurance markets with products designed for protecting risks associated with horse ownership or your equine business.  We do the insurance shopping for you, accessing our various markets, making sure we provide you with a competitive quote and the protection you need.



Horse Insurance

Insurance for Your Horse

This comprehensive policy reimburses you in the event of the death of your insured horse resulting from an accident, sickness or disease sustained during the annual policy term.  This policy also provides coverage if an insured horse requires euthanasia, as recommended by your veterinarian and agreed to by the insurance company,
to prevent excess or continued suffering due to an incurable injury or terminal disease.
Limited theft protection is included offering protection if the insured animal is stolen and dies as a result.

Your mortality policy will provide coverage while your insured horse is stabled in the United States or Canada including during transportation throughout.  The territorial limits of your policy can be extended to include many foreign countries.  Prior notification and acceptance by the insurance company is required to provide transit coverage outside of the US and Canada.  This is a very important consideration if you are purchasing a horse from another country, or one who will be traveling worldwide.

You will always want to notify your agent or assigned claims adjuster of any illness or injury requiring veterinary care and prior to any surgery even if elective-type surgery.
Failure to give proper notice of any claim or prior to any surgery (unless required to save the animal’s life) could jeopardize your insurance coverage.

Insurance Policy Requirements
The insurance company has specific requirements for placing insurance on your horse.  Once these requirements are met, we will be able to immediately provide coverage. Learn More

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A horse farm is a unique property requiring an insurance policy specifically designed to provide coverage for all of the buildings on the property as well as the liability protection for your horse ownership or equine operation.  Our farm and ranch owner’s policy is a customized policy developed to fill in the gaps of the traditional homeowner’s policy.  A homeowner’s insurance policy may not cover many of the exposures inherent in the horse industry including farm property, farm equipment and equine liability.   Learn More

Equine Liability

Equine Liability

If you have a standard Homeowners Policy or Personal Umbrella Policy, your liability coverage may not extend to incidents involving your horse.  Most policies provide coverage for your personal liability only.  The Equine Liability Policy provides protection for bodily injury or property damage caused by your horse ownership or equine activities including boarding, breeding, training or providing riding instructions.   

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Care, Custody & Control

Care, Custody or Control Liability Insurance

Equine Care, Custody or Control Liability Insurance is an essential coverage for all horse operations which involve non-owned horses, and includes boarding, breeding and training instruction programs. Standard general liability insurance excludes coverage for personal property (horses are an example) in your care, custody or control. This insurance fills the void by promising to pay sums you are legally obligated to pay up to the limit you select for damage to non-owned horses in your care, custody or control.

This insurance will cover up to the chosen policy limits for the injury, theft or death of the horses in your care, custody or control. Coverage includes defense costs for lawsuits including the cost of bail bonds, interest on judgments against you and expenses you incur at our request to assist in the defense and can include loss of earnings, up to $100 per day, depending upon the carrier.

Trailering or transporting of non-owned horses in your care is included for up to a 100- or 150-mile radius, depending upon the carrier. Transportation outside of that radius to include the continental U.S. and Canada can be added to the coverage.

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Clubs & Associations

Equine Clubs & Associations

This coverage is designed to provide liability coverage for member organizations and their public event days. Public event days are those activities to which non-club members or the general public are invited. The basic program provides coverage for up to seven public event days during the year with coverage for additional days available.

To learn more about how Smith-Embry can assist you with Embryo Insurance please contact us tody at (502) 493-9911 or complete contact form online.

Event Liability

Equine Event Liabilty Insurance

This policy is designed to provide coverage for single horse shows, clinics or equestrian events when an annual policy is not needed.  Coverage is provided for the actual event date and includes days for set up and take down.  Liability for the use of golf carts can be included.  The sponsoring organization, individual committee members, officials, judges, course designer and premise owner with respect to their liability arising from the acts they perform at the direction of and within the scope of their duties for the named insured can be named as additional insured on the policy.

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Race Horse Owners

Race Horse Owner’s and Trainer’s
Commercial General Liability

If you own or train racehorses, this policy will provide liability insurance protection for bodily injury or property damage to others caused by your equine activities.
The policy can include care, custody and control liability for non-owned horses in your care including during transportation from one racetrack to another.

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Embryo Insurance

Embryo Insurance

This insurance provides coverage on your unborn foal including embryo transfers.  Once your mare or the recipient mare is confirmed in foal by an ultrasound exam at 42 days after the last breeding, insurance protection can be purchased to protect your investment in the embryo until 30 days after birth of the foal.  The insurance will reimburse you should the fetus be aborted, delivery of a dead foal, loss of the unborn foal due to the death of the mare and should the foal not survive to 30 days after birth.

To learn more about how Smith-Embry can assist you with Embryo Insurance please contact us today at (502) 493-9911 or complete contact form online.