Equine Products 

 

Debbie’s Equine products specialty is built on a lifetime of hands‑on experience with horses and a deep personal connection to the equine community. Although she first entered the insurance field to focus on equine mortality and farm coverage, her clients quickly looked to her for guidance on all their insurance needs. This broadened her expertise across a wide range of Personal and Commercial insurance solutions, several of which are highlighted on the home page.

For a complete view of the resources, products, and carriers available, please visit www.bbrown.com. If you have questions or need help with coverage beyond what’s listed, Debbie welcomes you to reach out—she’s here to help with any additional insurance needs.

 

Mortality Coverage

No veterinary exam required for qualified horses valued at less than $300,000. 

Our full mortality coverage protects against loss due to accident, illness, injury, humane destruction, theft, and transportation within the continental U.S. or Canada.

Colic Surgery Coverage
Most policies include up to $5,000 of complimentary emergency colic surgery coverage for eligible horses.

Underwriting Requirements
A Livestock Mortality application is required before coverage can be bound.
A veterinary exam may be requested for foals, senior horses, or horses with pre‑existing conditions. For newly purchased horses, a copy of the pre‑purchase exam (PPE) may also be required.

Stable Discounts
For clients with high‑value horses or larger schedules, Debbie can advise on available stable discounts and claim‑free renewal programs designed to reward well‑managed operations.

We’re Here to Help
This site is designed to guide and inform. If you have questions or would like details on coverage not listed here, please contact Debbie directly. Complimentary, no‑obligation quotes are always available.

 

Optional Coverages

The following endorsements can be added to qualified horses for an additional premium, allowing you to tailor protection to your horse’s specific needs.

Major Medical & Surgical

Provides coverage for medical and surgical expenses, including diagnostic procedures, resulting from an accident, illness, or disease.
Available limits include $5,000, $7,500, $10,000, and $15,000.
Availability may vary by horse, and in some cases, limits can be stacked to provide enhanced protection.

Full Loss of Use

If your horse becomes permanently unable to perform its insured use due to accident, illness, or disease, this coverage pays up to 75% of the insured value.

Loss of Use – External Injury Only

Provides up to 75% of the insured value if your horse is permanently unable to perform its insured use due to a visible, external, accidental, and traumatic injury.

Guaranteed Extension / Guaranteed Renewal

Highly recommended for comprehensive protection, these endorsements vary by carrier.
In general, they allow coverage to extend into the next policy year for sicknesses or injuries first reported during the current term—helping to prevent pre‑existing condition exclusions at renewal.

Additional Coverages Available Upon Request

  • International Transit
  • Stallion Accident, Sickness & Disease
  • Infertility
  • Mare Barrenness
  • Stallion Availability
  • Prospective Foal Coverage

 Farm Packages

For farm owners, comprehensive Farm Package Policies offer a streamlined approach to protecting every aspect of your operation. These specialized packages can combine coverage for your residence, barns and stables, tack, machinery, farm liability, and Care, Custody & Control (CCC)—all under a single, coordinated policy.
This consolidated structure helps eliminate coverage gaps and ensures your property, livestock, and operations are protected with precision.

Commercial Automobile, Trucks & Trailers

If you transport horses for others—whether occasionally or as part of your business—you’ll need a commercial auto policy designed for equine transport. This coverage can be written alongside your farm package and is available for virtually any type of vehicle, including trucks, horse vans, and specialized transport trailers.