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Expertise

Equine, Farm & Ranch

Our bespoke practice manages and crafts a full suite of coverage solutions for your home, family, companion, and other equestrian or agricultural pursuits.

Article Image <p>Equine, Farm &amp; Ranch</p>
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Supporting Highlands Hudson Valley

We're proud to join The Highlands as its official broker partner. The Highlands celebrates the world of horses alongside the homes, collections, vehicles and traditions that are part of an equestrian lifestyle.

Learn more about our partnership
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How we help

Whether you own one show horse or a stable of thoroughbreds, a single barn or a multi-million-acre ranch, we are dedicated to crafting a full suite of insurance coverage solutions. Our unique combination of creative programs and personal attention guarantees that you have a thoughtful partner in both mitigating risks and coping when a crisis arises.

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What every horse owner should know

Owning horses brings unique opportunities and equally unique risks. Our Equine, Farm and Ranch expert, Joe Norick, discusses how equine insurance works, common coverage gaps horse owners face, and how proactive planning can help protect horses, travel, and competition risks.

Watch & listen
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Equine coverage essentials

Review six key considerations for equine mortality and medical coverage, and how these protections can help address risks to your horse’s health and value.

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Farm & ranch insurance

Learn what to consider when insuring a farm or ranch, including the property, equipment and risks connected to daily operations.

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Our expertise

We aren’t just passionate about serving your lifestyle – we actually live it. Our dynamic team includes horse owners, riders and enthusiasts. That is why you will find not only in-depth experience and superior service, but devoted individuals who understand your lifestyle and needs. Likewise, our client-centric approach addresses the unique risk exposures of each individual.

Equine

  • Equine mortality
  • Transit coverage
  • Major medical
  • AS&D coverage
  • Colic and surgical coverage
  • Full suite of equine liability services
  • Worldwide coverage

Farm and ranch

  • Home and contents
  • Commercial auto
  • Farm structures
  • Excess liability coverage
  • General liability
  • Vineyards
  • Farm personal property
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Joe Norick leads Alliant Private Client’s Equine, Farm & Ranch practice, helping clients address the unique risks associated with their horses, equestrian pursuits and agricultural properties.

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Joe Norick Executive Vice President, Equine Farm & Ranch Practice Leader

The equestrian lifestyle

Across the competitions we support, these images capture the many dimensions of life with horses—from the moments in the ring to the people, places and traditions that shape the equestrian community.

Frequently asked questions

Equine insurance may include mortality, major medical, colic and surgical coverage, liability protection, and coverage while a horse is in transit. The appropriate structure depends on the horse’s value, age, health, use, ownership arrangement, and travel schedule. Policy limits, exclusions, and eligibility requirements vary by carrier.

Equine mortality insurance may pay the horse’s insured value following death, theft, or humane destruction resulting from a covered cause. Major medical coverage helps with eligible veterinary expenses related to illness or injury. Surgical coverage addresses qualifying procedures, such as colic surgery, subject to the policy’s limits, deductibles, and exclusions.

What every horse owner should know