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As an independent agency, we have access to many fine companies specializing in agricultural and equine insurance.  Our licensed professional agents are experienced in all lines of insurance products and can tailor a plan to suit your unique needs.

Types of Coverage

Whether you have one horse or a stable full, we offer a complete range comprehensive products including:

  • Full mortality coverage for death resulting from accident, sickness, disease, humane destruction and theft
  • Major Medical and Surgical Expenses
  • Colic treatment
  • Surgery coverage
  • Loss of Use
  • Stallion Infertility

We can provide a package policy for farm and ranch operations which allows you to insure your property and liability exposures under one policy. This coverage can be custom designed to meet the specific needs of your operation, from a small acreage pleasure farm to a multiple location commercial farm.

Equine-related activities pose unique liability exposures which need specially-designed coverage.  We can offer a liability program that is custom-tailored to cover exposures such as:

  • Premises Liability
  • Care, Custody and Control
  • Riding Instruction
  • Boarding
  • Clinics
  • Public Events

These types of liability coverages and more can be provided on an annual or short-term basis, as well as for one-time events.

Our Farm Department Specializes in:

  • Farm & Ranch Property and Liability
  • Commercial Equine Liability
  • Care Custody & Control 
  •  Horse Show & Event Liability
  • Horse Club/Association Liability
  • Therapeutic Riding Program
  • Animal Mortality
  • Animal Major Medical

The Harbin Agency also offers:

  • Business Insurance
  • Risk Management
  • Homeowner’s
  • Health
  • Life
  • Mono-line property and liability 
  • Auto and motorcycle insurance 
  • Boat and RV insurance
  • Umbrella
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