We Insure All Things Equine
At BFL CANADA we love horses as much as you do.
We understand that your horses are more than just a high-valued investment, they are your passion.
Discover your coverage solutions
Your horses and equine operations present a wide range of distinctive risk issues. Our goal is to provide you with the most comprehensive equine insurance solutions (or horse insurance) that meet the equine industry’s highly specialized requirements and standards, including solutions for horse insurance in Ontario.
BFL CANADA’s equine insurance and horse insurance professionals can customize a policy that suits your needs.
Protects you against the death of your horse by accident, sickness, illness, disease, fire, theft or humane destruction. Examples include but are not limited to: colic, neurological disorders, transportation, mishaps, fractures of the leg, etc.
HORSE TRAILER PHYSICAL DAMAGE
Reimburse you for damage or loss directly caused, for example, by fire, lightning, theft, collision or overturning of the vehicle. This coverage can be added in addition to the mortality coverage for your horse trailer and its equipment.
GUARANTEED RENEWAL WITH WAIVER OF DEPRECIATION
Guarantees in the event that your horse has a major sickness or injury during the policy term that your Mortality Insurance will be renewed on the same terms and conditions as the previous year for an additional 12 months. For example, if your horse has colic surgery, the value will not be reduced on the renewal and the insurer will not exclude colic under the mortality coverage for the following 12-month period.
MAJOR MEDICAL INSURANCE
Covers emergency surgeries under a general anesthetic but is not limited to surgery. If your horse suffers from an injury, sickness or illness and requires medical attention, you can submit a claim over and above your deductible. For example, if your horse suffers from a tendon injury, severe laceration or colic and requires diagnostics and treatments, the Major Medical Insurance will respond to your needs. It does not, however, cover regular maintenance or wear and tear (navicular, degenerative joint disease or arthritis).
Remember to ask your broker if there are any limits on diagnosis or treatment, or you may be subject to a financial loss depending on the terms of your policy.
TACK AND EQUIPMENT
Protects against fire and theft. Theft often occurs at horse shows, and you sure don’t want to lose your best saddle! Tack and Equipment coverage is subject to a locked vehicle, tack box or premise warranty.
DEATH COST REIMBURSEMENT
Covers postmortem the cost of a necropsy and removal of the body. Both of these can be costly expenses following the death of a horse.
EQUESTRIAN COMPETITION WITHDRAWAL ENDORSEMENT
Reimburses any non-refundable entry and stall fees if your horse falls ill or is injured prior to leaving for a competition and you have to withdraw from the competition.
EXTRA BOARDING EXPENSE
Reimburses you for extra boarding costs you may incur as stated in policy guidelines if you board your horse at a facility that gets damaged or destroyed and you have to temporarily move your horse to another facility.
HORSE TRAILER CONTENTS
Provides coverage for loss or damage to contents stored in your horse trailer.
WORLDWIDE EXPOSURE AND AIR TRIP TRANSIT
Protects yourself against a loss that could occur while in flight. When shipping a horse via aircraft, you must extend your coverage to include exposure on an aircraft. This covers includes the Berserk Clause. The Worldwide extension covers the horse during the quarantine process and while loading/unloading.
Provides coverage for accidental bodily injury or property damage to a third party arising out of the use and/or ownership of a horse either on or off the premises.
CLUBS AND ASSOCIATIONS LIABILITY COVERAGE
Provides protection for a club’s various activities. These activities may include horse shows, fundraisers, club rides, clinics, award banquets, etc. It also includes comprehensive general liability and stableman’s liability (care, custody and control of non-owned horses).
DIRECTORS AND OFFICERS LIABILITY AND EXECUTIVE RISKS
Protects your corporate entity and its directors’ and officers’ personal liability from third-party lawsuits and defence-related costs. Coverage should include employment practices liability, environmental liability defence costs, outside directorship liability and more.
COACHING AND INSTRUCTORS INSURANCE
Covers bodily injury, property damage and stableman’s liability. This policy is for freelance coaches, instructors or officials, and extends from location to location.
Provides extensive protection for the organizers, volunteers, officials or other participants of equestrian competitions. There are packages available for all types of horse shows (permit, schooling).
FARM PROPERTY AND LIABILITY INSURANCE
Provides protection for your home, contents, outbuildings, tools, equipment, tack/saddlery, personal and commercial liability, premise liability, liability for non-owned horses in your care, custody and control, accidental death and dismemberment insurance, additional expenses, and more.
The advantage of this coverage is that it can be adapted to suit your particular situation, whether you own or lease a hobby farm, commercial equestrian facility, breeding operation, or racing stable.
FARRIERS/BLACKSMITHS GENERAL LIABILITY
Includes tenant’s legal liability, stableman’s liability, non-owned auto, etc. This liability policy is tailored to meet the specific needs of farriers/blacksmiths.
GROOMS/STABLEHANDS LIABILITY COVERAGE
Provides protection for grooms/stablehands handling horses and working in the barn or on the road at a competition. It includes third party bodily injury, property damage and stableman’s liability (care, custody and control of non-owned horses).
Representatives available across Canada
The BFL CANADA advantage in a competitive market
BFL CANADA has achieved extraordinary growth because of our consistent ability to perform and deliver due to our expertise, professionalism and dedication, as well as our entrepreneurial culture. This culture and work ethic have driven our growth and attracted organizations with which we have established meaningful and mutually beneficial partnerships.
WHY DOING BUSINESS WITH BFL CANADA IS IN YOUR BEST INTEREST?
We are insurance brokers, we don’t work for an insurance company.
- We negotiate on your behalf to get the best protection, rate and deductibles.
- We work with you to develop tailor-made solutions adapted to your reality.
- We deal with all major insurers that specialize in your industry.
- We have offices across Canada to meet your local needs and partners in over 140 countries for your global ambitions.
- We are solution seekers for companies of all sizes and every industry.
At BFL CANADA, we help our clients get peace of mind. Most insurance policies require various insurance companies to share the risk. As your insurance broker, we are able to canvass the insurance marketplace, approach financially sound insurers and always act in your best interest.