What We Cover
Collin County and the surrounding North Texas countryside are home to a thriving equine community — horse farms, riding academies, boarding facilities, breeding operations, and private horse owners. These operations face unique risks that general business insurance was never designed to cover: a boarder’s horse injures a visitor, a riding student falls during a lesson, or a prized animal is lost to illness or accident.
Tony Nichols at Collin County Insurance Group specializes in equine and farm insurance as a featured product line, with direct carrier relationships and deep knowledge of the coverage these operations actually need.
The stakes are real: a horse valued at $50,000 or more can die from colic or a paddock injury overnight. A riding student who breaks an arm during a lesson can file a claim that exceeds $200,000. A barn fire can destroy your facility, equipment, and feed stores in a single event. Standard business policies don’t cover these risks — you need carriers who understand equine and agricultural operations.
Who Needs Equine & Farm Insurance
If your livelihood or passion involves horses, livestock, or agricultural operations, you need specialized coverage. We insure:
- Horse clubs and associations — liability for organized equine activities
- Commercial equine operations — boarding, training, breeding, riding schools
- Private horse owners — personal liability for horse-related activities
- Farriers — professional liability for equine care specialists
- Farm property and operations — barns, fencing, equipment, crop storage
- Hunt clubs and hunting preserves — organized sporting activities
- Guides and outfitters — trail rides and outdoor recreation
- Rod and gun clubs — shooting ranges and sporting facilities
- Land conservancy organizations — conservation and natural resource protection
- Dude ranches and agritourism — hospitality operations on agricultural land
What We Cover
Commercial Equine Liability is the foundation for any horse-related business. It covers bodily injury and property damage claims arising from your equine operations — a student falls during a lesson, a horse kicks a visitor, or a boarded animal escapes and causes damage.
Care, Custody & Control covers injury or death to animals while in your care. Standard liability policies exclude this, leaving boarding facilities, trainers, and veterinary clinics exposed.
Farm Property covers your barns, arenas, fencing, tack rooms, feed storage, and farm equipment. Farm-specific policies also cover risks like windstorm damage to open structures and theft of tack and equipment.
Private Horse Owner Liability provides personal liability coverage for individual horse owners who aren’t running a commercial operation but still need protection when their horse causes injury or property damage.
Livestock Mortality covers the death of valuable animals due to accident, illness, or disease — critical for breeding operations or owners of high-value horses.
The Collin County Equine Advantage
North Texas is horse country. From the rolling pastures of Celina and Prosper to the established equestrian communities in Fairview and Parker, Collin County has one of the highest concentrations of horse operations in the DFW metroplex. Tony understands the local equine community because he lives and works here.
We also insure related agricultural operations:
- Agribusiness and farmowner packages through Philadelphia Insurance
- Farm equipment and inland marine coverage
- Workers comp for farm employees
- Commercial auto for farm trucks and trailers
Why Choose Collin County Insurance Group
Equine insurance is a specialty that most general agents don’t touch. Tony has direct carrier relationships specifically for equine and farm risks, which means faster quotes, broader coverage, and an agent who actually understands the difference between a boarding facility’s liability exposure and a breeding operation’s mortality risk.
Texas Equine Liability Act
Texas has an Equine Activity Liability Act that provides some protection to equine professionals — but it doesn’t cover negligence, and it requires specific warning notices posted at your facility. We help you understand what the statute does and doesn’t protect, and we build your coverage to fill the gaps. Having the right insurance in place means you can focus on your horses and your clients, not on worrying about what happens if something goes wrong.
Ready to protect your equine operation or farm? Contact us for a free quote today.
