St. Paul Travelers (NYSE:STA) is a leading provider of property casualty insurance and surety products and of risk management services to a wide variety of businesses and organizations and to individuals. The company reported 2005 revenues of $24.4 billion and total assets of $113.2 billion. Our products are distributed primarily through U.S. independent insurance agents and brokers. Travelers, a member of St. Paul Travelers, is the second largest writer of auto and homeowners insurance through independent agents. St. Paul Travelers is headquartered in Saint Paul, Minn., with significant operations in Hartford, Conn. The company also has offices in the U.K., Ireland and Canada.
How can Travelers protect your horse farm?
St. Paul Travelers provides a broad range of coverages including: Equine Mortality; Stable Liability; Care, Custody and Control; as well as customized endorsements to meet the needs of horse owners. Our agents will work with you to create the appropriate coverage at the most reasonable price.

Special Coverages for Horse Owners

• Equine Mortality, including accident, injury, sickness and disease.
• Stable Liability, liability coverage for stable owners' operations
• Care, Custody and Control, covers livestock which is in your care, custody and control
• Equine Property Endorsement, a $125 endorsement automatically provides:
• Up to $10,000* for damage or loss to tack and equipment
• $1,500* for spoilage of animal health products
• $3,000* for replacement of signs and entrance gates
• $3,000* for fences, corrals and pens

*Higher Limits Available

Standard Coverages

Dwellings, Household and Scheduled Personal Property, Liability Coverages, Blanket or Unscheduled Personal Property, Additional Living Expense, and Additional Coverages such as pollutant and debris cleanup and fire department services, at no extra cost.
Optional coverages such as Disruption of Operations, Business Income, Computer Coverage, and more are also available.

Established in 1897, The Brethren Mutual Insurance Company is a property-casualty insurer writing personal, commercial and farm insurance in Maryland, Pennsylvania and Virginia. The Company is represented by independent agencies throughout those states.

Brethren Mutual offers a full spectrum of products to meet the needs of today's insurance consumer. We are committed to providing value, quality in insurance protection, reliable service and financial integrity.

For more than 100 years, Brethren Mutual has provided insurance protection for farmers. In fact, we introduced Maryland's very first Farmowner Package Policy in 1960. Despite a national decrease in the number of active farms, we remain sensitive to farmers' needs and have chosen to not only maintain this product, but to also strengthen it to meet the changing agricultural environment.

Our committment to the farm market stems from our historical foundation and our appreciation for the work ethic associated with farming. From pleasure farms to dairy, crop, and poultry farms, to large orchard operations, we are the leading farm insurer in the state of Maryland. We also offer this coverage in Pennsylvania and Virginia.

BMIC offers three levels of farm coverage so that you may select the policy best suited for your needs. In addition to property coverage, BMIC's Farm Package Policy also includes liability and medical payments coverages. Ask your BMIC independent agent for additional details about BMIC's Basic, Standard and Special Farm forms and additional coverages available to tailor your farm coverage.

American Bankers Insurance Company (ABIC) part of the Assurant group of Companies specializes in insuring only horse risks. They offer standalone liability insurance for independent trainers and instructors as well a farm package for the owner/operator. ABIC also offers liability and farm coverage for hunt clubs, shows, personal horse owners liability, therapeutic riding instruction and non profit horse farms/ rescues.