With over 39 years of experience, Cunningham & Cunningham are an industry leader; providing exceptional and personalized Equine Insurance. Led by our highly-respected and well-known father/daughter team, Tom and Sara, Cunningham & Cunningham Livestock Inc. is a staple in the equestrian community.
Offering comprehensive products with competitive pricing Cunningham & Cunningham provides helpful and knowledgeable advice, never compromising on quality customer service.
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12-06-2012 QUESTION: How do you determine the amount to insure a foal or young horse for when they have never been sold or shown?
The amount to insure a foal is usually determined by the stud fee, and the mare itself. The normal rule is 3X the stud fee. If the mare is a top quality mare the resulting foal consequently will be worth more than the 3X stud fee.
12-06-2012 QUESTION: Can you insure a horse for health coverage alone or do you need to have that horse insured for its mortality value as well before you get that coverage?
The best coverage is the major medical, which covers both medical issues and surgery. Surgical coverage comes into effect when a horse goes under general anesthesia for surgery.
When an incident occurs usually the policy says immediate notification. It’s always good to contact the insurance company right away if something major happens.
