Whether a horse is purchased for personal or business reasons, equine ownership represents a significant investment of time, money and resources. While no one likes to think about the potential for tragedy, horses seem to be prone to illness, accidents and injury. Should some peril befall your horse, nothing may ease the emotional burden, but wise planning can help reduce the economic impacts.

Equine Insurance can be a very expensive product. When the premium bill comes, it is easy to get into "that won't happen to me" mode and not adequately insure. But a little cost benefit analysis can help you make a rational choice as to what types of coverage you need and what the amounts of those coverages should be.

For anyone who runs an equine operation, this informative article is a 'must read'.  Having adequate insurance for your horse business is vital, especially in today’s litigious environment.