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Horses are your life. You live for the smell of hay, the warm body of the gentle giant underneath you. Whether you show your horse and/or take them to the rodeo, what better way to take care of your tall friend than by investing in horse insurance?
Unconventional, but Worth It
If you’ve never thought about buying horse insurance before, you might be curious how it works. Well, there are a few ways that it can be used, but the bottom line is to find the use that works best for you. Some examples include:
Equine mortality and medical. This is a sad thought, but horses are as much of an investment as any other big purchase. Insurance will cover your horse in case of an emergency: If he needs medical help, surgery or passes away during an event.
General Liability. You have liability insurance to protect you from someone suing you if they’re injured at your home, and horse liability is much the same. If a third party is injured by your horse, you are covered from legal fees.
Theft. You would be devastated if your horse was stolen, and while no amount of money can replace him as an individual, you will at least be compensated.
Your horse is your pal and companion, but he is an expensive one. Make sure he’s covered from expensive fees in case something goes awry.
Keeping Company Drivers and Vehicles Safe
Auto insurance can help keep you safe on the road, but it’s not just for your personal life. If your business uses company vehicles for any reason, you need New Jersey commercial auto insurance. That way, your drivers and your vehicles can be protected if anything happens on the road.
The Scope of Coverage
Whether your vehicles are used on a regular basis by your employees or are used only occasionally for certain events, you can build an auto insurance policy for your business that reflects your needs. The coverage can include the following:
Drivers without proper insurance
Legal fees Natural disaster damage
A basic liability plan can be added to so it includes extra limits and umbrella coverage, depending on your business needs. This coverage also protects you and employees when your employees are on company time but in their own vehicles and an accident occurs. That comprehensive coverage means your business, vehicles and employees can be covered no matter what the situation is.
Be Prepared for the Unexpected
Owning company vehicles can be convenient for the business, but it also comes with a high-risk factor. New Jersey commercial auto insurance provides various levels of protection for your vehicles and drivers that are based on the type of vehicles you own and how the company uses them. That way, you can be protected before an accident happens.