If you have a claim or suspect a possible claim, it is very important to follow the proper steps to make sure your insurance coverage is put into effect. Your prompt action in completing all of the steps below is crucial to your claim being serviced in a timely and accurate manner.

What to do in an emergency involving a horse:


Please take care of your horse first by contacting a qualified veterinarian and then contact your insurance carrier. Please note your insurance contract requires prompt notification of any injury or illness. If your horse dies, you must have a necropsy (autopsy) performed to determine cause of death. You may phone LEGISequine on our direct line at 866-780-3713. If it is after hours, choose the emergency option on our answering service. You will be directed to an after-hours emergency mailbox and a representative will respond right away.

OR

You can contact your specific insurance carrier's claims representative (recommended--numbers listed below). Please try to have your policy number and veterinarian's phone number available when you call. When notifying LEGIS or your carrier of a claim involving your horse, please include:

    • policy number
    • name of the horse
    • nature of the loss
    • date of loss
    • name and contact information for the attending veterinarian
    • insured's name and contact information

The best way to hasten the time between a loss and a payment is to give the company adjuster a prompt response to all requests for specific items or further details. In addition, a quick response from the attending veterinarian including forms or documents needed by the claims adjuster is very helpful in expediting a claim.


For a Mortality Claim:

    • ...and your policy number begins with AMP, contact Great American Insurance Co.: 800-331-0211

    • ...and your policy number begins with AEM, contact National Equine Adjusters (AEIG/Diamond State): 800-783-9418

    • ...and your policy number begins with (9) digits followed by /xx (example 123456789/00), call American Home Insurance Company (AIG/Chartis): 866-927-7475

    • and your policy begins with 8502AG, contact Markel : 866-780-3713

    • and your policy begins with 87MFT, contact The Hartford: 800-295-1815 (M-F 8:00AM-4:30PM CST)
    800-427-4876 After hours emergency line

    • and your policy begins with LEG, contact Richard Ketch Equine (XL Policyholders): 800-732-6012


What to do in an emergency or a situation involving your real property, equipment, or a possible liability claim:


For claims concerning your property or equipment, immediately secure the property so no further damage will occur. For liability claims, gather all the specific accident facts, and then call LEGISequine at 866-780-3713 or:

    • If your policy number begins with (9) digits followed by /xx (example 123456789/00), call 866-927-7475

    • If your policy begins with FO, FSL, CCC, SL, call American Bankers Insurance Co.: 800-483-8666 X253

    • If your policy begins with AEL, ARE, ARL, call National Equine Adjusters: 800-783-9418

    • If your policy begins with AFL, APK, FPC, AGB, CAP, call Great American Insurance Co.: 800-567-7359

    • If your policy begins with 700,710, or 715, call Travelers Insurance Co.: 800-238-6225

    • If your policy begins with 8502AG, call Markel Insurance Co.: 800-362-7535 (8:30AM-5:00PM EST Monday-Friday) When notifying LEGISequine or your carrier of a claim involving your real property, equipment, or a possible liability claim, please provide the following information:

    • policy number
    • nature of the loss
    • date of loss
    • name and contact information of anyone involved
    • insured's name and contact information


In case of an accident or incident, the following guidelines are helpful accident reporting procedures:

DO
1. Obtain all accident details.
2. Obtain names, addresses, and phone numbers of all witnesses.
3. Obtain names, addresses, and phone numbers of police, fire, medical or hospital authorities.
4. Call and report any incidents to your insurance carrier's Claims Department.
5. Use your cell phone or a camera to take any pictures that might be helpful.
6. Make written notes as soon as possible and/or prepare a diagram.

DON'T
1. Divulge information with regard to insurance coverage.
2. Admit responsibility for the accident or injury.
3. Discuss accident or injury with anyone other than your insurance representative or someone he authorizes.