Loss of Use Coverage

Loss of use coverage is an endorsement which can be added to the full mortality and theft policy.

It will pay a percentage of the horse's insured value if the horse becomes permanently unfit to perform its stated use on the policy. In other words, there is a career-ending injury or illness. The company requires that major medical also be carried if loss of use is purchased. To be eligible, the horse must be between the ages of 3 and 12, valued between $25,000 and $500,000, and must pass a rigorous veterinary evaluation.

We recommend that loss of use coverage be approved by the insurance company underwriter prior to purchase of a new horse if this coverage is a consideration in your insurance program. The coverage is available for hunters, jumpers, dressage, cutting and reining horses only.

Get a Quote Give us a call or stop by our office to discuss the insurance coverage(s) you are interested in.  We'll provide you with an estimated premium and discuss the best insurance options for your specific needs.

877-634-7551 (IL)  •  877-695-1233 (NY)

Established in 1991 (logo)

Illinois Office
1000 Hart Road #215
Barrington, IL 60010
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Erland Insurance Agency (logo) New York Office
234 Shoddy Hollow Road
Otisville, NY 10963
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