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Equine, Farm, and Ranch

Safeguard your performance, racing, or breeding horses and equestrian investments with our comprehensive insurance services.

Let us help you unlock the full potential of your equine, farm, and ranch operation with our specialized insurance and risk management solutions. From mortality coverage and liability protection to worker’s compensation and employee benefits, we offer tailored solutions that can cover your animals and business from the stable to the track—and beyond.

Why equine, farm, and ranch coverage?

Large and small equine, farm, and ranch operations can have peace of mind with our personalized coverage that fits your needs.

  • Customized policies
    Because every equine, farm, and ranch operation is unique, we have customized insurance policies to meet your needs, protect your assets, and mitigate risks.

  • Financial security
    Safeguard your business and personal assets in the event of property damage, liability claims, or other unforeseen circumstances.

  • Emergency services
    We provide access to a network of trusted service providers such as emergency veterinary, property repairs, and more to help you recover quickly.

  • Full-service coverage
    Our policies go beyond traditional mortality coverage to support your entire operation—from employee benefits to private client services, property to automotive, and more.


Our comprehensive, specialized insurance programs cover the full range of equine, farm, and ranch needs—on and off the field.

  • Commercial equine, farm, and ranch
    We offer animal mortality, major medical insurance, commercial equine liability insurance, and care, custody, and control coverage for animals—owned or not owned—that are in your care.

  • Private horse owners
    We provide private horse and racehorse owners with many of the same coverages as commercial owners, including liability, animal mortality, and major medical insurance.

  • Employment coverage
    Your employees are vital to your operation. We have you covered from workers’ compensation and travel accident insurance to employment employee health and benefits.

  • Property, equipment, and automotive
    We understand that guarding your core business functions against unknown risks is key to keeping it running. We provide supplemental liability coverage and limits above primary general liability, equipment coverage, auto liability, and employer’s liability policies.


Meet Waverly, an equine specialist

Waverly Ernst, Account Executive and Team Leader, Equine

Get in Touch

Frequently Asked Questions

Equine insurance can cover a range of risks related to horses, including mortality, injury, and medical expenses.

Yes, horse trainers and riding instructors often have specific insurance requirements like liability coverage to protect against accidents and injuries. This also includes coverage for care, custody, and control of the horses they work with. Horse shows and events typically have specific insurance requirements, including liability coverage for property damage, participant accidents, and other potential risks.

Farm and ranch insurance typically offers a range of coverage options. These options include property coverage for buildings, equipment, and livestock, liability coverage for accidents and injuries. We also offer coverage for specialized needs like farm vehicles, pollution liability, and income protection. Marsh McLennan Agency also offers private client and employee health and benefits options to protect all aspects of your farm and ranch operations.

Farm property insurance covers the physical assets of a farm, such as buildings, equipment, and livestock. Farm liability insurance provides coverage for injuries or damage caused by farming operations, such as accidents, injuries to visitors, or damage to neighboring properties.

The cost of farm and ranch insurance can be influenced by factors like the size of the property, type of farming operations, value of equipment and livestock, and location.