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WE KNOW THE DIFFERENCE.

We know the difference between a Paso Fino and a Carousel Pony.

And we know the difference between an insurance specially crafted to protect your horse farm and your horses vs. ordinary business and property insurance that simply has "add-ons."

Gibson Insurance Agency specializes in Equine Insurance. Our agents are experts in understanding your needs and talking your language. Those differences make all the difference in the world:

• We know that whether a part of the family or an investment, your financial outlay - both initial and ongoing - has been significant. So your insurance coverage must protect that investment and take fair market value into account.

• We know that if you have a boarding and training facility, you have special risks not encountered by ordinary businesses. Your policy must protect that business, because even a client-signed release of liability won't necessarily keep you from being sued.

• We know that a boarded horse is not fully protected by the customary coverage carried by the people who own and manage the facility. That's why our policy for your horse must go beyond a simple property approach.

• We know how much medical, surgery, and aftercare expenses can add up. Therefore, we customize your coverage to accommodate the gap that standard policies leave, even in the case of veterinarian-recommended treatments.

Sport horses or family horses; on the farm or at shows; the love of your children or the basis of your business; let us help you fashion equine coverage customized for you. We even know how to save you money by giving you only what you need.

• Horse Farms
  Facilities including:
  - Breeding
  - Boarding
  - Training

• Equine Mortality
  
  Equine and Mortality Coverages

• Standard Coverages Include:
  - Dwelling
  - Other Private Structures
  - Household Contents
  - Additional Living Expense
  - Liability Coverages
  - Other Farm Structures including Barns, Stables, Fences, Corrals, Pens, Towers, etc.

• Specialty Coverages Available:
  - Stable Liability
  - Livestock Coverage
  - Business Income
  - Care, Custody, and Control
  - Mobile Agricultural Equipment
  - Excess/Umbrella Liability

• Mortality Insurance Including:
  - Accident
  - Injury
  - Sickness
  - Disease
  - Theft
  Also Available:
  - Loss of Use
  - Barrenness
  - Infertility
  - Transit Coverage

• Ranch & Estate
  - Complete Property & Liability Packages for most equine properties.
  - Designed specifically for your needs, no matter the size or use.
  - Our expert underwriters specialize in equine related risks.

• Liability
  - Private or Commercial
  - Will help you find the right products to cover your particular risks - the kind not covered by your homeowners' insurance.