Phil Baker Insurance Services Inc.
Horse Farm Insurance
This beautiful Indoor Arena and Stable building has been completed in 2008. The original design includes spacious stalls a wonderful indoor arena space for all season and weather riding and an excellent observation room for parents viewing their children's progress. Note the adjustable side curtains often found in livestock buildings provide air circulation and utilizes the natural light that makes this arena unique and very comfortable.
& Horse Farms offer unique risks as the
nature of horses are unpredictable and possibility
of injury is inherent. Whether you are a large
boarding and training facility or a startup
boarding stable we can secure your farm with
We provide a complete property and liability insurance packages for most equine properties. For small horse farms, equestrian estate, or commercial equine operations. We can provide an insurance to suit your equine needs.
The new Equine Liability Law which took effect February 23, 2006 will affect the horse farm owners in Pennsylvania in a positive way. It will apply to any individual, group, club or business that sponsors, organizes, conducts or provides facilities for an equine activity. Some of these activities are boarding, grooming, trail riding, and most type of horse shows. One of the requirements to receive protection from this law is that two signs need to be posted at the farm. The signs need to say, “You assume the risk of equine activities pursuant to Pennsylvania Law”. The size is specific and can be acquired through the Pennsylvania Equine Council. The new law does not resolve all liability issues as the law does not apply to minors. There are many minors involved in Equine activities and this is still a large exposure for the farm owner. The farm owner should still use a release before allowing anyone to participate in these activities.
The new law does not eliminate the need for proper liability insurance. Negligent acts by farm and horse owners which cause bodily injury or property damage are best protected by the proper insurance plan. We will be able to review your needs and provide the coverage that will fit your budget.
Our Equine & Horse Farm Coverage includes:
Horse insurance is different then homeowners because the form or policy, which is regulated and authorized by the Pennsylvania State Insurance Department, has many different functions and provisions. One difference is that a homeowner policy excludes any commercial or business activity. By definition, farming, including horse farms are a business even if they are not making a profit. The reason the homeowner policy cannot provide for these activities is that it would be unfair to other people who are not involved in these activities to be part of this risk pool. Those activities like boarding horses, riding instruction and even private horse ownership entail an inherent risk that is much greater than a house on a quarter of an acre. Farms have larger acreage which from time to time have guest that are invited and trespassers that are not. The invited guest can get bit, stomped, or kicked by large livestock such as horses or cattle. Uninvited guests, which some consider trespasser can get injured while snowmobiling, hunting, or swimming in farm ponds. How can the farm owner be responsible for trespassers? We are whether it seems fair or not because it is how the courts look at bodily injury. Horses and cattle can also escape from their pasture or barn. When a 1000 pound or larger animal gets out on the road, and hit by a car, the car's damage and any bodily injury is the responsibility of the owner of the animal. Again, Livestock and horses are usually excluded from an unendorsed homeowner's policy. By the way, dog bites are the number one liability claim on homeowner policies. Many homeowner companies use a list of dogs that will make a home ineligible to insure if the owner has one of the dogs on that list. German Shepherds, Doberman Pinchers, Pit Bull, and rotweillers are a few of these dogs. A farm policy may consider these dogs more favorably as some are work dogs and are commonly found there. Tractor accidents are also a risk found on a farm. Operating tractors can be very dangerous and also are a common liability claim. Many tractors drive on public roads towing large pieces of equipment. Impatient drivers often pass in the worst locations and usually claim the farmer cut them off. The liability whether at fault or not is provided by the farm policy. Legal defense is costly. If a horse farm or crop farmer is sued the legal defense is included as part of the coverage on the policy. It is almost like have an attorney on a retainer.
CARE, CUSTUDY AND CONTROL
Designed to protect and defend the insured in the event that an animal belonging to someone else dies or suffers an injury as a result of possible negligence. (Recommended for Breeders, Instructors, Trainers, & Boarding Barns.)
Phil Baker Insurance Services, Inc. Located in Fleetwood Berks County, Pennsylvania, Phil Baker Insurance offers peace of mind. Equine & Horse Farms offer unique risks as the nature of horses are unpredictable and possibility of injury is inherent. We can help you with equine insurance for boarding in Pa. and equine insurance for training facility in Pa. or a startup boarding stable we can insure your farm with reliable equine insurance in Pa.coverage.
Your source for all
of your Equine Insurance Pa., Farm Insurance Pa. needs.
Phil Baker is an agent representing the Goodville Mutual Casualty
Company the Pa. state. Goodville Mutual is an Excellent Rated company by AM Best and
has been providing insurance in the Pa. state since 1926. They offer
affordable Pa. insurance, auto insurance Pa., home insurance Pa., church insurance Pa., business insurance Pa., state farm coverage insurance Pa. The
insurance company has a long history of meeting the needs of Pennsylvania’s
farming community by providing farm insurance coverage that is specific to this ever
Serving Equine insurance and Farm Insurance in Adams County Pa., Insurance Allegheny County Pa., Equine Insurance Armstrong County Pa., Farm Insurance BeaverCounty Pa., Equine Insurance Bedford County Pa., Farm Insurance Berks County Pa., Equine Blair County, Bradford County Pa., Equine Insurance Butler County Pa., Farm Insurance Cambria County Pa., Equine Insurance Cameron County Pa., Farm Insurance Carbon County Pa., Equine Insurance Centre County Pa., Farm Insurance Chester County Pa., Insurance Clarion County Pa., Farm Insurance Clearfield County Pa., Farm Insurance Columbia County Pa., Farm Insurance Crawford County Pa., Farm Cumberland County, Farm Dauphin County Pa., Equine Insurance Deleware County Pa., Farm Insurance Elk County Pa., Equine Insurance Erie County Pa., Farm Insurance Fayette County Pa., Equine Forest County Pa., Franklin County, Farm Insurance Fulton County Pa., Equine Insurance Greene County Pa., Farm Insurance Huntingdon County Pa., Equine Insurance Indiana County Pa.,JeffersonCounty Pa., Farm Insurance Juniata County Pa., Farm Insurance Lackawana County Pa., Insurance Lancaster County Pa., Equine Insurance Lawrence County Pa., Insurance Lebanon County Pa., Equine Insurance Lehigh County Pa., Luzerne County Pa., Farm Lycoming County Pa., Equine Insurance McKean County Pa., Farm Insurance Mercer County Pa., Equine Insurance Mifflin County Pa., Farm Insurance Montgomery County Pa., Montour County Pa., Equine Northumberland County Pa., Insurance Perry County Pa., Equine Insurance Potter County Pa., Insurance Schuylkill County Pa., Equine Insurance Snyder County Pa., Farm Somerset County Pa., Insurance Tioga County Pa., Equine Insurance Union County Pa., Insurance Venango County Pa., Equine Insurance Warren County Pa., Farm Insurance Washington County Pa., Farm Westmoreland County Pa., Equine Insurance Wyoming County Pa., Equine Insurance York County Pa. traeling to many cities such as : Aliquippa, Insurance Allentown, Altoona Pa., Arnold Pa., Beaver Falls Pa., Bradford Pa., Butler Pa., Farm Carbondale Pa., Chester Pa., Clairton Pa., Equine Insurance Coatesville Pa., Insurance Connellsville Pa., Insurance Corry Pa., Insurance DuBois Pa., Farm Insurance Duquesne Pa., Insurance Easton Pa., Insurance Erie Pa., Insurance Farrell Pa., Insurance Franklin Pa., Insurance Greensburg Pa., Equine Insurance Harrisburg Pa., Hazleton Pa., Farm Insurance Hermitage Pa., Insurance Jeannette Pa., Insurance Johnstown, Insurance Lancaster Pa., Insurance Latrobe, Insurance Lebanon Pa., Insurance Lock Haven Pa., Insurance Lower Burrell, Insurance Lower Burrell, Insurance Meadville Pa., Insurance Monessen, Monongahela, Nanticoke Pa., Equine Insurance New Castle Pa., Insurance New Kensington Pa., Farm Insurance Oil City, Insurance Parker, Insurance Philadelphia Pa., Equine Insurance Pittsburgh Pa., Insurance Pittston Pa., Insurance Pottsville Pa., Insurance Reading Pa., Insurance Scranton Pa., Farm Insurance Shamokin Pa., Insurance Sharon, Insurance Sunbury Pa., Insurance Titusville Pa., Farm Insurance Uniontown Pa., Insurance Warren Pa.,Insurance Washington Pa., Insurance West Chester Pa., Insurance Wilkes-Barre Pa., Insurance Williamsport Pa. and Insurance York Pa. and many more in Pa. I have a large range of Insurances such as Home Insurance for your personal items and out buildings, Farm Insurance for your farm tractors, and farm animals, Agruculture Insurance for your farm crops such as corn, wheat, soy beans, oats, hay, and much more. Business Insurance for horse drawn carriage business, Boarding horses, Equine Training, Equine Clinics, Equine Lessons, Equine Trail Riding and More. Personal Insurance for the items you have in your home such as old cars, guns, jewelery, antique furniture and more. Horse Insurance for your horses health in case of collic, injury on the horse trailer, on the road or Equine trails, Horse or Equine Farm Insurance for those that have people visiting your equine farm for equine lessons, riding or just for a visit, Life Insurance for those that which to see that the ones left behind are taken care of, Disability Insurance In case of an injury, Commercial and Farm Insurance, Equine Risk Insurance, Car and Truck Insurance in case your car is in an accident, runs off the road and causes property damage, if its stolen, broken in to, and much more...
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