Another new guy - The Horse Forum
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post #1 of 6 Old 06-25-2013, 12:08 PM Thread Starter
Join Date: Jun 2013
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Another new guy

Hi all, I was just put in charge of equine insurance at my company. I thought this would be a good place to learn about horses. Thanks in advance for your tips!
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post #2 of 6 Old 06-25-2013, 02:45 PM
Join Date: Oct 2009
Location: Seattle, WA
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Welcome! I don't know much about equine insurance. Do you do actuary studies and all to create the premium rates?
is it for injury or only for death. and is it based on the horse's value on the open market?
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post #3 of 6 Old 06-25-2013, 05:50 PM Thread Starter
Join Date: Jun 2013
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We cover both death and injury. It's based on the total insured value of the horse, which may be more or less than its value on the open market. The actuarial studies that have been done have been woefully inadequate, since we only consider the breed of the horse and its use (racing, show, etc) when we compute premium. Clearly we should take a lot of other things into account, like the horse's medical history and whether its ancestors had any serious conditions.
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post #4 of 6 Old 06-25-2013, 05:52 PM
Join Date: Dec 2008
Location: USA
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Welcome to The Horse Forum


May all your Trails be happy and safe ones

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post #5 of 6 Old 06-26-2013, 01:32 AM
Green Broke
Join Date: Jul 2011
Location: Alabama
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Being horseless is the pits!!
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post #6 of 6 Old 07-03-2013, 02:35 AM
Join Date: Dec 2011
Location: Surrey BC
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Welcome Hero
nice to meet you

Country Woman

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