Equine Insurance Professionals, LLC

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Culpeper, VA
Equine Insurance Professionals, LLC

Independent Professional Equine Insurance Brokers
Licensed in all 50 states
(34)

Equine Insurance Professionals is a group of lifelong horse owners committed to educating fellow equestrians of all disciplines about the different options available to protect their investments. We offer a broad list of coverage options for Equine Mortality, Equine Major Medical, Equine Professional Liability, Equine Personal Liability, Equine Farms, Trucks/Trailers, Dogs, Cattle and more.

09/24/2024

This past weekend agent, Marcella Dhority, had the pleasure of sponsoring this clinic at Melmsgard Performance Horses & Training, LLC for the second year in a row. What a wonderful learning opportunity for all of the participants!

09/24/2024

Proud sponsors of the Montpelier Hunt Races November 2, 2024!!! Please be our guests at our rail-side table!

Welcome To Montpelier Hunt Races!Join us for a day full of sport and family fun at the former home of James Madison. November 2, 2024 EventsTake advantage of ALL of our family-friendly activities we have planned throughout the day by arriving early. There will be seven horse races, Jack Russell Terr...

09/22/2024

"New Home Syndrome"🤓

I am coining this term to bring recognition, respect, and understanding to what happens to horses when they move homes. This situation involves removing them from an environment and set of routines they have become familiar with, and placing them somewhere completely different with new people and different ways of doing things.

Why call it a syndrome?

Well, really it is! A syndrome is a term used to describe a set of symptoms that consistently occur together and can be tied to certain factors such as infections, genetic predispositions, conditions, or environmental influences. It is also used when the exact cause of the symptoms is not fully understood or when it is not connected with a well-defined disease. In this case, "New Home Syndrome" is connected to a horse being placed in a new home where its entire world changes, leading to psychological and physiological impacts. While it might be transient, the ramifications can be significant for both the horse and anyone handling or riding it.

Let me explain...

Think about how good it feels to get home after a busy day. How comfortable your favourite clothes are, how well you sleep in your own bed compared to a strange bed, and how you can really relax at home. This is because home is safe and familiar. At home, the part of you that keeps an eye out for potential danger turns down to a low setting. It does this because home is your safe place (and if it is not, this blog will also explain why a lack of a safe place is detrimental).

Therefore, the first symptom of horses experiencing "New Home Syndrome" is being unsettled, prone to anxiety, or difficult behaviour. If you have owned them before you moved them, you struggle to recognise your horse, feeling as if your horse has been replaced by a frustrating version. If the horse is new to you, you might wonder if you were conned, if the horse was drugged when you rode it, or if you were lied to about the horse's true nature.

A horse with "New Home Syndrome" will be a stressed version of itself, on high alert, with a drastically reduced ability to cope. Horses don't handle change like humans do. If you appreciate the comfort of your own home and how you can relax there, you should be able to understand what the horse is experiencing.

Respecting that horses interpret and process their environments differently from us helps in understanding why your horse is being frustrating and recognising that there is a good chance you were not lied to or that the horse was not drugged.

Horses have survived through evolution by being highly aware of their environments. Change is a significant challenge for them because they notice the slightest differences, not just visually but also through sound, smell, feel, and other senses. Humans generalise and categorise, making it easy for us to navigate familiar environments like shopping centres. Horses do not generalise in the same way; everything new is different to them, and they need proof of safety before they can habituate and feel secure. When their entire world changes, it is deeply stressful.

They struggle to sleep until they feel safe, leading to sleep deprivation and increased difficulty.

But there is more...

Not only do you find comfort in your home environment and your nervous system downregulates, but you also find comfort in routines. Routines are habits, and habits are easy. When a routine changes or something has to be navigated differently, things get difficult. For example, my local supermarket is undergoing renovations. After four years of shopping there, it is extremely frustrating to have to work out where everything is now. Every day it gets moved due to the store being refitted section by section. This annoyance is shared by other shoppers and even the staff.

So, consider the horse. Not only are they confronted with the challenge of figuring out whether they are safe in all aspects of their new home while being sleep deprived, but every single routine and encounter is different. Then, their owner or new owner starts getting critical and concerned because the horse suddenly seems untrained or difficult. The horse they thought they owned or bought is not meeting their expectations, leading to conflict, resistance, explosiveness, hypersensitivity, and frustration.

The horse acts as if it knows little because it is stressed and because the routines and habits it has learned have disappeared. If you are a new human for the horse, you feel, move, and communicate differently from what it is used to. The way you hold the reins, your body movements in the saddle, the position of your leg – every single routine of communication between horse and person is now different. I explain to people that when you get a new horse, you have to imprint yourself and your way of communicating onto the horse. You have to introduce yourself and take the time to spell out your cues so that they get to know you.

Therefore, when you move a horse to a new home or get a new horse, your horse will go through a phase called "New Home Syndrome," and it will be significant for them. Appreciating this helps them get through it because they are incredible and can succeed. The more you understand and help the horse learn it is safe in its new environment and navigate the new routines and habits you introduce, the faster "New Home Syndrome" will pass.
"New Home Syndrome" will be prevalent in a horse’s life until they have learned to trust the safety of the environment (and all that entails) and the humans they meet and interact with. With strategic and understanding approaches, this may take weeks, and their nervous systems will start downgrading their high alert status. However, for some horses, it can take a couple of years to fully feel at ease in their new home.

So, next time you move your horse or acquire a new horse and it starts behaving erratically or being difficult, it is not being "stupid", you might not have been lied to or the horse "drugged" - your horse is just experiencing an episode of understandable "New Home Syndrome." And you can help this.❤

I would be grateful if you could please share, this reality for horses needs to be better appreciated ❤
‼️When I say SHARE that does not mean plagiarise my work…it is seriously not cool to copy and paste these words and make out you have written it yourself‼️

09/13/2024

Please help us make welcome our newest agent addition to our growing team, Katie West! Katie was born and raised in the rural, Riner, Virginia where she still resides. While in her youth, Katie competed in 4H, open shows, and was on the Hippology and Horse Judging teams through 4H and FFA. When off to college, Katie rode for the Midway University Western Team while studying for her Business degree along with a minor in Equine Studies. She expanded her equine resume by working for trainers in the industry who compete in the all around, ranch, and cow horse events. She found a passion for scribing while working for the Ranch Horse Association of Kentucky.
Coming from a background on the outskirts of breed associations, Katie understands the need to spread awareness for protecting your investments. She has a passion for helping others and feels that transferring the risk of loss in the equine industry is largely overlooked. She has joined our team to help us help others preserve their assets properly! WELCOME KATIE!!

09/07/2024

Need a quick quote from the team for a new purchase? We ARE available!

09/07/2024

Marcella and I are so so fortunate and grateful for the opportunity to collaborate in Franklin, TN this week and visit our wonderful clients and friends during the horse-show at Brownland ❤️ Amazing life to have passion for your work and love what you do 🙏

09/06/2024

PLEASE read the fine print!!! Recently I have quoted some prospects against what initially appeared to be dirt cheap premium quotes from other brokers. As it turned out, the quotes were ONLY for mortality coverage without the addition of the major med premiums which were quoted separately further down the sheet. AND more importantly, the carrier offered absolutely NO coverage whatsoever for DJD, Arthritis or Navicular.... EVER....
In the end, one of our fine carriers was within $10 of the premium cost with major medical (and of course DJD, Navicular, and Arthritis were all covered with our quote!)

If you are price shopping, BE SURE you are comparing apples to apples. Also, if the absolute cheapest policy possible, no matter what the coverage, is the most important factor share that with us too.... we write for those carriers also... they are just never going to be our first choice for you automatically because their coverages are so much more limited. But we want whatever you want.... be sure to tell us what the most important things are so we shop for you with YOUR criteria in mind.

Lastly, if you message or text me and do not get a reply within a few hours it is always a good idea to call my office. I am often out of service or helping other clients and would not want you to feel ignored. Unfortunately (and actually really fortunately), I am spending most of my time on the phone educating and helping people learn about the differences in carriers, coverage, and products so that I am often difficult to reach. Please don't give up!!! 🙂 I will always get back to you!! 540-825-8511 or 540-222-0460

08/27/2024

LOVE these guys! Worth watching....

Welcome back to A Stride Above! In today’s episode, Dr. Colton Ramstrom joins Dr. Alberto Rullan as they delve into the complexities of diagnosing Equine Pro...

08/23/2024

https://www.facebook.com/share/p/dWj44EuSHkBSoXp3/?mibextid=WC7FNe

Want to compare your current farm policy with companies that specialize in coverage for equine farms? Please contact us! We would love to help you shop your policy throughout the industry to make sure you are getting the best deal for your insurance dollar!

08/21/2024

We love the opportunity to sponsor and support equestrians of all levels🫶

Thank you for sponsoring an IEA rider for the 2024-2025 season! Marcella can help get you covered for all your equine insurance needs 🤗🐴

08/19/2024

https://www.localchampionstour.org/prize-list.html

*Make sure to bring your own reusable show numbers. You can find your horse's show number on the order of go, posted the evening before the show day. If you do not have your own set of...

Want to compare your current farm policy with companies that specialize in coverage for equine farms? Please contact us...

08/14/2024

07/11/2024

We are grateful for the windfall opportunities that have come to us.... THANK YOU 🙏

How much weight can a horse carry?
In my experience, a horse can carry an infinite amount.
They can carry the weight of broken hearts, broken homes, and broken bodies. Countless tears sometimes comb their tangled manes. Moments when parents and friends cannot be there to help and hold a person, horses embrace and empower. They carry physical, mental, and emotional handicaps. They carry hopes and dreams; and they will carry the stress from your day when you can’t carry it anymore.
They carry graduations, they carry new careers, they carry moves away from everything familiar, they carry marriages, they carry divorces, they carry funerals, they carry babies before they are born, and sometimes they carry the mothers who cannot carry their own baby. They carry mistakes, they carry joy, they carry the good and they carry the bad. They carry drugs and addictions, but they also carry the celebrations.
They will carry you to success when all you have felt is failure. They will carry you, never knowing the weight of your burdens and triumphs.
If you let them, they will carry you through life, and life is hard, life is heavy. But a horse will make you feel weightless under it all.

07/03/2024

Marcella and I are so honored to be at this historic show watching the best in the world 🇺🇸🌎

06/24/2024

Warrenton Horse Show has generously decided to offer hunter breeding this year. Please support it otherwise this will likely be it for sure!!!! *This is for the HORSE show in Aug*

Address

Culpeper, VA
22701

Telephone

+1 540-825-8511

Website

http://www.equineinsuranceprofessionals.com/

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Videos

Insuring your horse? There are a lot of options out there. It’s important to have an agent that explains everything to you so that you have a CLEAR understanding of what you’re purchasing so that when/if claims time rolls around, there are no surprises. To request a quote or policy review, call/text Marcella Dhority - 912-247-7330 or email- [email protected] OR click the link in our bio. #equineinsuranceprofessionals #equineinsurancebroker #insurewhatyoulove #protectyourinvestment #idlovetobeyouragent #horses #horsebusiness #equineinsuranceagent #horseinsurance

We know that you want to give them the absolute best of everything but when it comes down to it, could you? What would you do if your horse injured themselves badly? If they colic and require surgery? What would you do? How would you pay that bill? No one wants to think about these things but you need to because even in the best situations, things can and do happen. Make sure your horse is properly covered today. ✅To request a quote or policy review DM us directly or contact agent, Marcella Dhority at 912-247-7330/[email protected] 🫶

If you are not insuring your horse in an effort to save money, I get it. I really do. Horses are expensive and it all adds up…BUT what will you do if they hurt themselves? What will you do in the event of an unexpected emergency? I can almost guarantee that the vet bill will be more than your premium….think about it. Is it really worth the risk? ✅To request a quote or policy review, contact Marcella Dhority at 912-247-7330 or [email protected], or DM our business page🫶 #equineinsurance #equineinsurancepro #equineinsurancebroker #insurewhatyoulove #protectyourinvestment #idlovetobeyouragent #horses #horsebusiness #equineinsuranceagent

Equine Insurance Q&A ☕️ Do you have questions? Your favorite equine insurance agents 👯‍♀️ are here and ready to answer any questions you may have about equine insurance, professional or personal equine liability, or farm coverage. What do you want to know? What unanswered questions do you have about your current coverage? Comment with your question or shoot us a DM! 💫For more information about equine insurance LIKE & FOLLOW Equine Insurance Professionals, LLC ✅To request a quote or policy review CLICK THE LINK in our bio OR DM the word “Quote” to get started! #equine #equineinsurance #equineinsurancepro #equineinsurancebroker #insurewhatyoulove #protectyourinvestment #idlovetobeyouragent #horses #horsebusiness #equineinsuranceagent

How do I pay for this? This is a commonly asked question and the answer is that it depends. In general, policies with an annual premium equal to or less than $500 must be paid in full. Annual premiums between $500 and $1000 must be paid in two installments or in full. Annual premiums greater than $1000 usually have the option of four installments and for those greater than $2000 we have a couple of options that offer nine installments. There is no monthly payment option at this time. Pay plans usually incur a fee but not always. Some carriers do not direct bill meaning that the agency you work with collects the money and sends it to the carrier, while others offer online payment options. While other items within the policy are often able to be changed, payment selections may not which is why it is very important to discuss this with your agent beforehand💁🏼‍♀️For more information about equine insurance LIKE & FOLLOW Equine Insurance Professionals, LLC and Marcella Dhority. To request a quote or policy review CLICK THE LINK in our bio⤴️OR DM me “Quote” to get started! #equine #equineinsurance #equineinsurancepro #equineinsurancebroker #insurewhatyoulove #protectyourinvestment #idlovetobeyouragent #horses #horsebusiness

One of the many things that I learned in my time working as an RN is that people are less likely to be upset in negative situations if they know and understand what is going on. Plain and simple. They could be in the midst of a horrible situation but, usually, if I explained everything to them and gave them an outline of how our day was going to be, things worked out better for both of us. The same is true with equine insurance. Most people have no idea what they have purchased and when there is a claim they may be upset because the policy did not work the way they thought it would. The problem usually isn’t the coverage, it’s that they probably never understood their coverage from the start because no one took the time to explain it to them. You cannot compare your policy to your barn mate’s or assume that your coverage will work the same as theirs…..Every policy is different. Every carrier (insurance company) is different. EVERY SITUATION IS DIFFERENT. There is A LOT of misinformation out there about this topic and we LOVE to educate people on this coverage so PLEASE feel free to reach out with any questions. For more information about equine insurance LIKE & FOLLOW Marcella Dhority and Equine Insurance Professionals, LLC. To request a quote or policy review CLICK THE LINK in our bio⤴️OR DM us “Quote” to get started! #equine #equineinsurance #equineinsurancepro #equineinsurancebroker #insurewhatyoulove #protectyourinvestment #idlovetobeyouragent #horses #horsebusiness #themoreyouknow

“Why do I need major medical coverage?”. I hear this question a lot and my initial thought is always, “Why don’t you need major medical coverage?”🤷🏼‍♀️ If you have been around horses for any length of time you know that they can be very creative in all of the ways they can hurt themselves. They are basically 1200 lb toddlers. Equine major medical coverage is there to assist in paying for any accident, illness, injury or disease that FIRST occurs during the policy period. Through the years my coverage has assisted in paying claims for EPM, gastric ulcers, and multiple lameness claims. I was SO thankful to have the coverage in place because it literally saved me thousands. Our clients have also saved thousands of dollars due to this coverage. Not all major medical options are the same, they differ depending on the carrier and some offer more monetary assistance than others. We offer multiple options to meet the needs and budget of almost every horse and rider. There is a lot of misinformation out there about this topic and I LOVE to educate people about coverage options so PLEASE feel free to reach out to me, Marcella Dhority, with any questions🫶🚀For more information about equine insurance LIKE & FOLLOW our page Equine Insurance Professionals, LLC. To request a quote CLICK THE LINK in our bio OR📲DM us “Quote” to get started!#equine #equineinsurance #equineinsurancepro #equineinsurancebroker #insurewhatyoulove #protectyourinvestment #idlovetobeyouragent #horses #horsebusiness #equineinsuranceagent

What are you waiting for? Requesting a quote is easy and only takes a few moments by going directly to our website, link in bio⬆️, or DM our business page Equine Insurance Professionals, LLC or Marcella Dhority🐴

Brokers and Agencies vs Carriers #equineinsurance #equineinsurancebroker #equineinsuranceagent #equineinsurancepro #equineinsuranceprofessionals #insurewhatyoulove #idlovetobeyouragent

Did you know we offer Tack and Equipment Coverage too? My last reel discussed Personal Horse Owners Liability (PHOL) Policies. This is a policy that protects you in the event that your horse injures someone or someone’s property and they hold you responsible for that loss. If you own a horse and aren’t a professional, you should have one (professionals have commercial liability coverage). These policies are relatively inexpensive and easy to put into place AND you have the option to add your tack and equipment to the policy!! Contact me for a quote today 👉 DM, text/call 912-247-7330, or email [email protected]

Personal Horse Owners Liability Policies (PHOL)🐴 As a horse owner you probably understand the risks of being involved in equine activities but have you given any thought to what might happen if your horse injures someone? Given the ever rising costs of healthcare, if your horse injures someone, they may have no other option but to sue you in order to recover their loss. Protect yourself and your investment by securing one of these policies ahead of time. They are extremely inexpensive but invaluable should you have to use it AND you can add tack and equipment to these policies for another layer of protection!! Request your quote today! Text/Call Marcella at 912-247-7330 or email [email protected] #equineinsuranceagent #equineinsurancepro #equineinsuranceprofessionals #equineinsurancebroker #horselover #insurewhatyoulove #protectyourinvestment #idlovetobeyouragent

Did you adopt a horse from a rescue, buy one from an auction, or have one gifted to you? These horses absolutely have value even though their price tag may have been low. But I don’t have to explain that to you if own one😉 The time and energy that is often put into these horses is worth something. The money that you spend on training or lessons is worth something. Off farm experiences are worth something. Horse shows, no matter how small, are worth something. Don’t be mistaken in thinking that you are not able to insure one of these horses because you absolutely are able to and I would love to help you❤️ Request your free quote or policy review today, link in bio👆👆#equineinsurance #equineinsurancepro #equineinsuranceprofessionals #insurewhatyoulove #protectyourinvestment #idlovetobeyouragent #rescuehorse #horselife #horselove

Mortality Coverage protects you against a loss due to the death or theft of your horse. Determining how much mortality coverage you need depends on several factors. If you have just purchased your horse, you will want to insure for the purchase price. If you are leasing, your lease agreement should clearly state how much the horse should be insured for (more on this later). If you have owned the horse for a while and invested time and money in furthering the horses career, you may insure for more than the purchase price. Your agent can assist you with justification of value. Have a horse that was gifted or adopted? They can be covered too! There are different methods for valuation depending on the circumstances. Request your free quote or policy review today! #equineinsuranceprofessionals #equineinsurance #equineinsuranceagent #equineinsurancebroker #idlovetobeyouragent #protectyourinvestment #peaceofmind #horselovers #hearthorse

Final show day vibes. This sweet boy came out every day ready to do his job in the ring. He is the best❤️ It was great getting to horse show for two weeks straight and connect with new people about insuring the horse (or horses) in their life. I’m exhausted but can’t wait to do it again🤗 #troy #seniorhorse #worthhisweightingold #equineinsuranceprofessionals #equineinsurancebroker #equineinsurance #idlovetobeyouragent #horseinsurance #protectyourinvestment #insurewhatyoulove #worldequestriancenter

This is just my 20 year old Czech WB after a warm up, two over fences, and a flat class, walking away from the ring like he owns the damn place🤣 I LOVE older horses, especially my boy❤️ They are some of the best teachers and therefore some of the most valuable horses out there. Do you have a senior horse? Have you had trouble finding coverage? This boy is insured with full mortality AND major medical! Don’t let your horse go without coverage, contact info in bio👆 #seniorhorse #TheGoat #equineinsurancebroker #equineinsurance #equineinsuranceprofessionals #horseinsurance #idlovetobeyouragent #protectyourinvestment

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Our Story

Jennifer rode for a living, breaking, training, teaching and showing for 15 years after attending Virginia Intermont College with a declared double major in business admin and equine studies. Jennifer began her insurance career as a part time ‘fill in’ for the Orange County Farm Bureau Office. She began to feel very passionate about the fact that people were either mis-insured, under-insured or over insured because they didn't have the proper information and guidance. Health insurance was her first pet project initially because she could see how much seniors and young families needed help making informed decisions about their health care coverage. This insurance 'thing' grew a life of it's own and I have become very involved and interested in helping horse owners insure their investments and loving pets, farmers insure the enormous investments in their fields, as well as, all farm owners in between. Both of my girls ride & have horse shown with me off and on in their lives…. I have beautiful life and am very grateful!