Risques dans les fermes d'agrément
Cette série dresse le portrait d'exploitations agricoles fictives avec des activités agricoles, des couvertures d'assurance courantes et quelques risques communs. Commencez par notre article d'introduction sur les fermes d'agrément !
Hobby Farm: Ponies and Horses
For many hobby farmers, a love of horses draws them to the lifestyle. A house on land with room for a barn and riding is the ideal! Situated on 5 acres in Abbotsford, BC, this fictional hobby farm features:
- Large five-bedroom, executive home
- Inground saltwater pool and hot tub
- Extensive landscaping
- Horsebarn
- Outdoor riding ring
- Two horses
- Two ponies
Couvertures d'assurance courantes
Chez Mutual Fire Insurance, un grand nombre de nos produits d'assurance offrent une gamme d'options, y compris les risques de base, les risques limités, les risques étendus et la couverture complète. Les polices d'assurance pour les fermes d'agrément comprennent une protection pour la maison et la responsabilité personnelle, ainsi que pour la ferme et la responsabilité agricole. Avec votre courtier d'assurance, vous pouvez choisir les garanties et les montants d'assurance les mieux adaptés à vos besoins.
Here are some popular insurance coverages for hobby farmers with ponies and horses.
Harnais
When riding horses and ponies, most people will use tack such as a saddle and bridle. Coverage can protect horse riding equipment from an insured peril.
Clôtures, corrals et enclos
Add coverage to protect fencing used for farming operations on the property when damaged by a basic peril such as fire or wind. This coverage can apply to the fencing surrounding the riding ring as it is a farm use. Coverage would not apply to fencing surrounding the house as it is not for farm use.
Growing Plants, Trees, Shrubs, and Flowers
For homes with gardens and landscaping design, you can add protection to replace it if lost due to an insured peril. For example, if a small fire starts while grilling in the outdoor kitchen, it may spread to the bushes and flowers beside the area.
Responsabilité civile agricole
While it is a good idea for every hobby farm to add farm liability to their insurance policies, it is essential for those with ponies and horses. Adequate insurance can protect you if someone is injured or property is damaged because of your horses.
Risques liés à l'élevage d'agrément à connaître
Liability Risks
Horses and ponies are large animals and owners are responsible for ensuring the safety of both their animals and the people who encounter them. In the event an animal causes injury or damage, the resulting legal fees, medical expenses, and damages can be costly. To minimize the risk of accidents and injury:
- Train horses well and supervise riders
- Maintain farm fencing and gates to prevent horses from escaping
- Regularly inspect tack like bridles, reins, and saddles
- Provide adequate veterinary care, nutrition, and boarding to keep horses healthy
This fictional farm also has a pool and hot tub which add to the liability risk. A few best practices for pool safety include:
- Fencing around the pool
- Alarm to notify the owner if the pool is accessed
- Rescue equipment on the pool deck
Property Risks
An executive home in a suburban area may have an increased risk for property theft. High value homes often have expensive outdoor features, luxury home finishes, and high-end appliances. These features can all be appraised and insured accordingly with the help of an experienced insurance broker.
Connectivity and the internet of things (IOT) may also be a property risk to examine. A blackout or brownout can damage smart home technology, computers, and appliances. One way to help protect devices is to use a power bar with surge protection. It can lower the risk of damage to your expensive electronics!
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