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PRODUCTS

We offer a wide range of insurance products to meet your needs. We work almost exclusively with "A" rated and admitted companies to provide you with the most comprehensive package for your situation.

We are pleased to offer the US Equestrian Federation (USEF) Equine Farmowners Program and the Liability and Mortality Programs of American Equine Insurance Group.

Commercial Equine Liability
We Provide Commercial Equine Liability Policies with or without Care, Custody & Control for Trainers, Stables, Breeders & Dealers and Clinicians. Policies are portable so if you move, your coverage can easily go with you. Limits run from $300,000 to wherever you need. We also write therapeutic riding programs and can work with your NARHA requirements. Applications can be faxed to you or taken right over the phone and payment options are often available. This program is available in Arizona, California, Colorado, Idaho, Nevada, Oregon, and Washington.
Go to Application.

Farm / Ranch Package
Our Farm and Ranch packages are top notch and include all your property and liability needs. Care, Custody & Control can be included where applicable and Business Auto can also be added in most cases. Payment options vary and Excess Liability over $1,000,000 limit is available. Call today for more information. This program is available in Arizona, California, Colorado, Idaho, Nevada, Oregon, and Washington. Go to Application.

Stable Worker's Compensation
We can write your Worker’s Compensation for most types of businesses in California only including Stables and Trainers with admitted carriers. If you currently have coverage, we will require hard copy loss information from your carrier to quote but we can also quote if your business is brand new or you are hiring your first employee. Discounts available to most businesses who pay for health care for at least 2 employees or who agree to use a specific medical group for Worker’s Comp. Claims. We broker for California's State Compensation Insurance Fund. This program is available in California only. Go to Application.

Horse Mortality
We offer a full line of equine mortality coverages through A rated carriers including Major Medical, Surgical, Loss of Use (both full coverage and external trauma only for performance horses), Guaranteed Extension, Agreed Value, Stallion Infertility, Limited Perils Mortality, International Transit, and Emergency Colic Surgery Extension. Quotes are available right over the phone and vet checks are not required on most horses valued at $50,000 or less. Coverage can be bound immediately via fax.
Special Mortality Programs available now for Polo Horses, Race Horses, Police and Search and Rescue Horses. Please call for specific applications to be faxed or emailed - available in selected states only. Go to Application.

Personal Horse Owner's Liability
If you own horses that are for your personal show or pleasure use only and not for commercial endeavors such as lesson horses, you may obtain liability insurance to protect you in the event your horse causes bodily injury or property damage to someone else. Many stables are now requiring proof of this coverage as a condition to board there. It can be obtained one of two ways. The first is find out if your homeowners insurance will extend your personal liability to cover actions of your personal horses on or off premises. Some will, many won't, and none will allow you to name another party as an additional insured, such as the facility at which you board. The second way is to take out a policy of Horse Owner's Liability insurance. Policies cover all your horses and start at as little as $150 per year for a $300,000 limit of coverage. Higher limits are available upon request and additional insureds may be added where required for an additional fee. This policy cannot provide liability for the Lessee of a horse - call for an appropriate application to cover a lessee. Go to Application.

Riding Clubs & Organizations
Our riding club policy includes your first seven public event days and up to 100 members starting at $500 per year. You can add events or additional insureds at any time during the year via fax or email. For large or specialty organizations, custom programs can be designed to meet your specific needs. Directors, officers, members, volunteers, employees and agents of the club are protected by this policy for third party liability claims in connection with their direct involvement in club activities. Directors & Officers are not protected by this policy from suit brought by members for their actions as directors & officers, this can be covered on a separate policy. All event days include a set up and take down day at no extra charge. We also provide Fidelity Bonding and Crime Insurance for facilities and organizations as needed. This program is available in Arizona, California, Colorado, Idaho, Nevada, Oregon, and Washington. Go to Application.

Directors & Officers Liability
If you are looking to protect your board members, directors and officers from suits brought by members for their actions as directors & officers, this is the coverage you need. Coverage is available for all for profit and nonprofit companies and organizations and can include Employment Practices Liability and Fiduciary coverage as well. This program is available in Arizona, California, Colorado, Idaho, Nevada, Oregon, and Washington.

Equine Event and Show Managers Liability
Commercial Liability is available for event or horse show managers on a per event basis or for complete season coverage. Most every event involving horses can be insured from horse shows to demonstrations to parades. Annual policies can be written to include premises liability for permanent show offices, business personal property for your office equipment, buildings you own or portables you lease, and hired & non-owned auto liability. We also provide Fidelity Bonding and Crime Insurance for facilities and organizations as needed. This program is available in Arizona, California, Colorado, Idaho, Nevada, Oregon, and Washington. Go to Application.

Pony Rides, Carriage Rides, Rentals, Outfitters & Guides

We can insure these businesses for those operators who are willing to work with a safety plan. Petting zoos with domestic type or farm animals can be included with pony rides or picture ponies. Carriage ride operators can also be covered for Parades and Demonstrations. Hourly guided trail rides, overnight pack trips and dude ranch coverage is available either as just liability or in a package with your buildings and equipment as well. This program is available in Arizona, California, Colorado, Idaho, Nevada, Oregon, and Washington.

Go to Application.

Dog Trainers & Dog Groomers
We now have a Business Owners Policy through The Hartford for most Dog Trainers, Groomers and Kennels including those who offer mobile services or work at multiple locations. This program is for the trainer who does obedience, working dog, or competitive training. Guard or attack dogs cannot be covered under this program nor can dog breeders. Demonstrations can be included as can buildings and business personal property and equipment. Events such as dog trials and shows can be covered on a separate policy. This program is available in Arizona, California, Colorado, Idaho, Nevada, Oregon, and Washington. Go to Application.

Business and Commercial Insurance
We are pleased to now offer a variety of business policies for your operations. Call us today for information on the following insurance policies: Business Owners Policies, Commercial Package Policies, Monoline General Liability, Business Auto, Workers Compensation, Products Liability, Vacant Building Coverage, Directors & Officers Liability, Employment Practices Liability, Aviation Insurance, Restaurant Package, Apartments and Condo Complexes, Bed and Breakfasts up to 12 rooms and more. These programs are available in Arizona, California, Colorado, Idaho, Nevada, Oregon, and Washington. Go to Application.

Recreational and Sports Insurance
We can provide coverage for many types of recreational and sports operations from Gymnastics Clubs & Programs, Dance and Martial Arts Studios, Sports & Fitness Instructors, Sports Camps & Clubs, Amateur Sporting Associations, Motorsports, Personal Training Studios and many more. Top notch coverage from A Rated carriers. Call today for a quote. These programs are available in Arizona, California, Colorado, Idaho, Nevada, Oregon, and Washington.

Homeowners and Auto Insurance
We are pleased to offer Preferred Homeowners insurance through superior companies such as Safeco, Hartford, Kemper and Travelers. Qualifying homes must have no brush within 1500 feet, an excellent claims history and the option to reduce premium by including auto with your policy (credits up to 15%). High Value Homes are welcome with extended coverages and options. This program is available in California only.

For homes that do not qualify for our Preferred Homeowners Program, we offer Specialty Homeowners Insurance with several A rated carriers. This is an excellent policy with somewhat less stringent underwriting requirements (e.g. brush clearance) than a preferred policy. Call today for a quote. This program is available in California (10/05), Colorado, Idaho, Nevada, Oregon, and Washington.

If you are interested in having your auto coverage with an insurer that cares more about your needs than how many exclusions they can add to your coverage, call us for a quote with our preferred auto carriers. We are please to offer personal auto with Safeco, Hartford, Kemper and Travelers. Safeco will also insure motorcycles along with your other vehicles. And, of course, you can get the multi policy discount by placing your homeowners with the same insurer. This program is available through Safeco in Arizona, California, Colorado, Idaho, Nevada, Oregon and Washington and through other carriers in California only.

Go to Application (Homeowners).
Go to Application (Auto).

Personal Umbrellas
In our litigious society, do you have enough insurance? These days, especially with rising property values, carrying liability limits of $500,000 on your homeowners and auto can leave you short in the event of a tragedy. Recent awards for injuries and damages include; an underage driver speeding, hitting another car killing its occupants (over $1,000,000), damages of $1.5 million paid for serious injuries sustained in a slip and fall at a private residence, and more. Personal umbrellas can extend over your homeowners and auto coverage to provide you with the extra protection you need in this day and age. And it's less expensive than you may think. Aren't you worth it? This program is available in Arizona, California, Colorado, Idaho, Nevada, Oregon, and Washington.

Mobile Homes and Manufactured Homes
We can insure your mobile home or manufactured home for you! Foremost Insurance, the leader in mobile home insurance, provides a first class policy tailored for this type of dwelling. This program is available in Arizona, California, Colorado, Idaho, Nevada, Oregon, and Washington.

Dwelling Fire Coverage for Rental Properties
If you have a rental property, you know how difficult it can be to insure it these days. We can insure your rental properties with 1-4 units on a dwelling fire policy either in conjunction with your homeowner's policy or on a stand alone policy. This includes condominiums held for rent as well (DP-4). This program is available in Arizona, California, Colorado, Idaho, Nevada, Oregon, and Washington.

Expanded Earthquake coverage for houses with 1-4 units

In California, you are limited as to the amount of coverage you can get for Earthquake on a standard home or ranch. In Washington, it may not even be available to you. We are pleased to offer greater coverage for your home in California and Washington - limits up to 100% of replacement value for your home, 10% of the house value for other residential structures, 50% of the house value for household contents, Loss of Use of Living Quarters of $25,000, Building Code Upgrade coverage of $10,000 and deductibles raging from 5% to 15% of the house value. These are the highest coverages available for selected homes subject to company approval. Homes built before 1955 can be insured with different extended limits. Quotes can be done over the phone - call today to protect your self! This is a stand alone policy available in California and Washington for Houses from 1-4 units. Not available for Mobile homes.

Flood coverage for homes and businesses
If you are in a Flood Zone A, you are carrying this coverage on your home already at the requirement of your lender. Move your current policy to us for convenience of servicing easily - call today for form. (Rates for Flood Insurance are set by the Federal Government and are the same from one insurance carrier to another for identical limits and deductibles). If you are not in Flood Zone A, you may want to consider this coverage for your specific location. Is there a waterway nearby that could overflow its banks? Is there the opportunity for rising water to occur at your location from any source? Remember flood is a standard exclusion on all homeowners, ranch and business policies. Coverage for water damage from flowing or rising waters or mud can be covered under a flood policy easily and, if you are not in Flood Zone A, your rates can be quite reasonable! Flood Insurance for business buildings is available as well - don't find yourself all wet this winter! This program is available in Arizona, California, Colorado, Idaho, Nevada, Oregon, And Washington.

Antique Autos and Classic Cars
Antique Autos and Classic Cars require special consideration for insurance, whether driven, exhibited or simply garaged. Call today to cover your collection and protect your investment. This program is available in Arizona, California, Colorado, Idaho, Nevada, Oregon, and Washington.

Recreational Vehicles, Dirtbikes and ATVs
Cover your Recreational vehicles, dirtbikes, motorcycles, and ATVs for liability wherever you plan to go. Both Liability as well as Physical Damage coverages are available with a variety of deductibles. Quotes can be done over the phone. This program is available in Arizona, California, Colorado, Idaho, Nevada, Oregon, and Washington.

Personal Watercraft
Protect yourself for liability and physical damage for your boats, wave runners, jet skis and other watercraft quickly and easily. Quotes available over the phone for smaller craft, larger craft can be quoted as well but take a few days. This program is available in Arizona, California, Colorado, Idaho, Nevada, Oregon, and Washington.

Aviation
We are pleased to provide all lines of aviation insurance including, but not limited to: private and commercial aircraft, business jets, helicopters, gliders, fixed-base operators, airports, aviation manufacturer's liability, fuel storage tank pollution liability, hangars and aviation workers compensation. Rated and Admitted carriers, AOPA discounts available. Call today for an application. This program is available in Arizona, California, Colorado, Idaho, Nevada, Oregon, and Washington.

Health and Accident Medical
Cheval now offers health insurance products for individuals, families and businesses from all the top companies customized to fit your needs. Our programs can be tailored to almost any budget with many options available. These programs are available in Arizona
& California.

Clubs, therapeutic centers and other organizations should consider Accident Medical insurance for their members and/or participants. It pays a set sum for medical expenses in excess of a person's own insurance and can include dental benefit and Accidental Death & Dismemberment. This can be written on a per event basis or on a year round policy, blanket or named individuals, at low rates per person. This program is available in Arizona and California.


Get a Health Insurance Quotation – CA Only

You may obtain quotes for individuals, families or small business through Health Net or Anthem (formerly blue Cross) through our website.  Different plans, options, deductibles and features can be selected and compared as you go with no obligation. Application can be made right over the web to get coverage in place fastest.


Individual, Family or Small Group Health Plans


Individual or Family Health Plans (California only)