Barn Owners - Do you offer short-term board? - Page 2
 
 

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Barn Owners - Do you offer short-term board?

This is a discussion on Barn Owners - Do you offer short-term board? within the Horse Boarding forums, part of the Barns, Boarding, and Farms category

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        08-28-2014, 02:15 AM
      #11
    Trained
    Quote:
    Originally Posted by BugZapper89    
    I am at $7800 per year , for my liability policy. I am a breeding operation too. Oddly enough, even if I get rid of all the stallions that come and go and the mares, and just keep my own, I would only save maybe $800 per year. Just to have a piece of livestock on the property, that you occasionally take off for even a trail ride is extremely expensive. We show, so god forbid a horse gets loose and damages something, we can't live without the insurance.
    I have not yet gotten my quote for this coming year, I'm due to renew in Oct. I went up last year 25% because of all the EF5 tornadoes we had in OK, plus I lost a barn and had a claim due to a tornado. It killed me. But you're right, we don't dare run without it, horse gets loose, someone's kid trespasses and gets kicked or bitten, horse gets loose at a show.....God forfend they should act like horses with stupid humans around them.
         
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        08-28-2014, 05:09 AM
      #12
    Weanling
    Wow!
    I definitely need to do some digging into this.
    When we got our homeowners, no one said anything about horses or any kind of special liability coverage because of them.
    To be fair, we didn't have livestock when we moved here. The previous owner had several horses though, so it was marketed as a farm/horse property...

    I'm really glad I asked about this now.

    I just did a quick google search of "equine liability insurance" and found all kinds of stuff, so I have a lot of reading to do this weekend.

    Any red flags I should watch out for? Bad companies?

    Our home/cars/etc is with State Farm, so I'll probably start with them and expand to other companies if they can't provide what we need.
         
        08-28-2014, 07:23 AM
      #13
    Banned
    Quote:
    Originally Posted by Dreamcatcher Arabians    
    I have not yet gotten my quote for this coming year, I'm due to renew in Oct. I went up last year 25% because of all the EF5 tornadoes we had in OK, plus I lost a barn and had a claim due to a tornado. It killed me. But you're right, we don't dare run without it, horse gets loose, someone's kid trespasses and gets kicked or bitten, horse gets loose at a show.....God forfend they should act like horses with stupid humans around them.


    Sadly enough, I have only had 1 claim in 40 years and it was the idiot who broke their hand loading their own horse in their own trailer. Insurance companies pay out "go away" money, just so things don't end up in court. Those that know this have figured out how to work the system. My insurance didnt go up because of it, but has been this high because of these types of claims. We are limited to companies, who will even insure property with livestock. It doesnt matter if you have 1 or 1000 pieces of livestock. Farm Family is about the best we have around and they do both your farm and house, along with the option of a balloon policy to cover everything you have.
         
        08-28-2014, 03:46 PM
      #14
    Trained
    Quote:
    Originally Posted by BadWolf    
    Wow!


    I just did a quick google search of "equine liability insurance" and found all kinds of stuff, so I have a lot of reading to do this weekend.

    Any red flags I should watch out for? Bad companies?

    Our home/cars/etc is with State Farm, so I'll probably start with them and expand to other companies if they can't provide what we need.
    I can only tell you my experiences in OK, and each state is different. I tried to get quoted by State Farm, we'd used them before we bought horse property for years. They have a farm/ranch thing for hobby farms but will only cover less than 6 horses. If the found out you were boarding, they'd cancel you. To board or breed you need commercial insurance and that is expensive. Other agencies that I've seen, AgriRisk, Markel, Equine Insurance Specialist, Blue Bridle. I've never done business with them, so can't give you a personal recommendation except for Jarvis.

    When looking for insurance, I called several different companies and was told they wouldn't cover a horse property because horses kick. Really? Is that why it's called COW kicking? Or Kicks like a MULE? But anyway, be prepared to get major league frustrated and sticker shocked.
         
        08-28-2014, 03:48 PM
      #15
    Trained
    Quote:
    Originally Posted by BugZapper89    
    Sadly enough, I have only had 1 claim in 40 years and it was the idiot who broke their hand loading their own horse in their own trailer. Insurance companies pay out "go away" money, just so things don't end up in court. Those that know this have figured out how to work the system. My insurance didnt go up because of it, but has been this high because of these types of claims. We are limited to companies, who will even insure property with livestock. It doesnt matter if you have 1 or 1000 pieces of livestock. Farm Family is about the best we have around and they do both your farm and house, along with the option of a balloon policy to cover everything you have.
    The tornado is the only claim I've had, EVER. After the tornadoes a lot of companies bailed out of OK and won't write a policy here. So, I'm glad Jarvis wasn't one of them.
         
        08-28-2014, 03:51 PM
      #16
    Yearling
    Quote:
    Originally Posted by DuckDodgers    
    When I was in undergrad I was moving between barns every year. I was at one place 9 months during school and another during the three summer months. Both barns were more than willing to accommodate us, and I appreciated it!
    Posted via Mobile Device
    Are you me?

    Haha that's the same with my mare. I move to school in Autumn and near home in summer. Switching barns around, etc. Everybody has been more than accomodating - it helps that I am a VERY easy boarder, stick my mare in the pasture and we're good to go.
         
        08-28-2014, 04:14 PM
      #17
    Weanling
    Yup, you'll likely need commercial/ Limited Liability insurance.

    If you allow people on your property with RV/trailer hookups, that'll add extra and you'll need more insurance for that.

    Don't forget to figure out about storage(for feed/bedding if the owner has nowhere else to keep it) and weekly fees.
    Have it stated that you use 'X brand' of bedding and if the owner wants or needs to use something else they must provide it and you'll discount the fee as you'll not have to use your own bedding.

    If you have campers you can offer for a small extra fee to muck/ feed. This can be a liability for you though as you never know how a horse will react.
    For short term boarders who need full care or even partial care, have a separate price list for them. You can charge by the week and/or by the month, providing a discount for the longer they board with you.

    Billing: You'll want to collect upfront, debit or credit card or cash, no checks or money orders, always provide a receipt and keep a copy for yourself.
    My mom learned the hard way about collecting payments. She owned and ran a roofing and home improvement company for years, although you're not supposed to pay upfront for these types of services (roofing/ home construction) collecting payment at the end could be a big challenge. Especially when people would give bad checks or fake money orders.
    stevenson likes this.
         
        08-28-2014, 08:29 PM
      #18
    Green Broke
    A lot of companies wont insure you if you have not run a boarding business prior, had prior insurance. I have looked and looked. Or the prices were outrageous. But In sunny CA , most everything is spendy, some areas more than others.
    Horseychick87 likes this.
         
        08-29-2014, 04:05 AM
      #19
    Weanling
    Looks like I'm going to need every bit of these next couple of years to get this sorted out!

    You all are the best for sharing your experiences and advice.
    Man, I love horse forum
    Thanks so much!
    Horseychick87 likes this.
         

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