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.

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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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