SPECIALTY PROGRAM
Agribusiness, Rodeo, Equine, and Livestock Insurance Program
Specialized coverage for rodeo producers, livestock event coordinators, and equestrian business owners with underwriting expertise in animal-related exposures and participant risks.
Who This Program Is For
- Rodeo producers and promoters
- Livestock show and sale coordinators
- Equestrian facility owners and managers
- Agricultural event producers and fair coordinators
- Breeding and training operations
Eligible Operations
- Professional and amateur rodeo events
- Livestock shows, sales, and auctions
- Equestrian competitions and exhibitions
- Agricultural fairs, farm events, and agritainment
- Riding lessons and training programs
COVERAGE FOCUS
Key Exposures We Address
Rodeo and equine operations involve inherently dangerous activities with live animals, participant injuries, and spectator exposures that standard policies aren't designed to cover. The combination of animal-related risks, participant waivers that may or may not hold, and the event nature of many operations requires coverage specifically structured for this industry's unique claim profile.
UNDERWRITING INSIGHT
Why Specialty Underwriting Matters
Standard commercial carriers lack the expertise to properly evaluate rodeo and livestock exposures. Specialty underwriting ensures proper assessment of safety protocols, participant waiver programs, veterinary arrangements, and the specific claim types common to these operations. Without specialty placement, coverage gaps can leave producers exposed.
OUR APPROACH
Why Work With Eventure
PROGRAM STRUCTURE
Program Highlights
Participant Liability
Coverage for injuries to riders, handlers, and contestants during events and training.
Spectator Coverage
Protection for spectator injuries from animal interactions and event activities.
Animal Mortality
Coverage for death and theft of horses and livestock in your care.
Event Certificates
Certificate support for fairgrounds, municipalities, and event sponsors.
SUBMISSION PROCESS
How Submissions Are Reviewed
- 1Event safety protocols and emergency plan evaluation
- 2Animal welfare and veterinary arrangement documentation
- 3Participant waiver and release procedure review
- 4Facility inspection and maintenance record assessment
- 5Expedited review for established producers with clean safety records
COMPLIANCE SUPPORT
Certificates and Compliance
Certificates of insurance are issued to satisfy venue, landlord, and municipal requirements as a standard part of coverage. Our team understands the specific certificate requirements for this industry.
- Certificates for venue and fairground requirements
- Additional insured endorsements for municipalities
- Sponsor certificates as required by event agreements
DOCUMENTATION
Documentation Typically Requested
REAL SCENARIOS
How Coverage Responds to Claims
Understanding how coverage works in practice through real claim examples (details modified for confidentiality).
Bull rider suffered broken ribs and internal injuries after being thrown and struck by animal during sanctioned event.
Coverage Response
Participant accident coverage responded for medical expenses. Signed waiver limited liability exposure. Medical payments made promptly.
Key Takeaway
Participant accident coverage provides medical payment regardless of fault - waivers address liability separately.
Bull escaped arena during event, entered spectator area, and caused injuries to three attendees.
Coverage Response
General liability covered all spectator injury claims. Arena barrier documentation was reviewed. Claims settled within policy limits.
Key Takeaway
Spectator injuries from animal incidents are GL exposures - separate from participant coverage.
Prize bull valued at $75,000 died during transport to competition due to heat stress.
Coverage Response
Animal mortality coverage responded. Veterinary report and transport documentation supported the claim.
Key Takeaway
Animal mortality coverage extends to transport - proper care documentation is essential.
CONTRACT REQUIREMENTS
Venue & Landlord Insurance Requirements
| Requirement | Typical Terms | Limits | Timeline |
|---|---|---|---|
| Fairground/Venue Certificate | Most fairgrounds and arenas require proof of liability coverage | $1M per occurrence, $2M aggregate - higher for large events | 2-4 weeks before event |
| Municipality Certificate | City or county may require certificate for permits | Per permit requirements - often $1M minimum | With permit application |
| Sponsor Certificates | Corporate sponsors often require additional insured status | Per sponsorship agreement | Before sponsorship activation |
| Sanctioning Body Requirements | PRCA and other organizations have specific insurance requirements | Per sanctioning body rules | Before sanctioning approval |
UNDERWRITING FLAGS
What Can Delay or Decline Coverage
No Safety Plan or Emergency Protocols
Events without documented safety plans and emergency procedures cannot be underwritten. These are fundamental requirements.
No Veterinary Arrangements
Events involving animals require documented on-call veterinary services. This is essential for animal welfare and liability management.
History of Animal Escapes or Serious Injuries
Repeated safety incidents indicate systemic issues. May require remediation documentation before coverage.
Inadequate Barrier/Fencing Documentation
Arena barriers and spectator protection must be documented and inspected. Missing documentation delays review.
Waiver Program Deficiencies
Waivers that don't meet legal requirements or aren't consistently used create coverage concerns. Review and remediation may be required.
TIMELINE
What to Expect After Submission
Initial Submission
Day 1Submit application with event details, safety plan, and venue information.
Underwriting Review
2-5 DaysReview of safety protocols, venue documentation, and loss history. Questions may be asked.
Quote Delivery
3-7 DaysQuote provided with coverage options. Large or complex events may take longer.
Binding Coverage
Same DayCoverage bound upon acceptance. Certificates issued for venue and sponsors.
Event Day Certificates
24-48 HoursAdditional certificates issued as event approaches and final requirements are known.
COMMON QUESTIONS
Frequently Asked Questions
GET STARTED
Ready to Get a Quote?
Our specialty underwriting team reviews all agribusiness & rodeo submissions. Expedited review available for qualifying risks with complete documentation.