Claims

Equine Claims

If you have a claim or suspect a possible claim, please follow the steps detailed below to make sure your insurance coverage is put into effect. Your prompt action in completing all 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:

The first step is to make sure the immediate needs of your horse are met, which often includes contacting your veterinarian. Next, contact your insurance carrier or LEGIS as soon as possible. Please note that 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 LEGIS on our direct line at 866-780-3713. If it is after business hours, choose the emergency option on our answering service. You will be directed to an after-hours emergency mailbox and a representative will respond in a timely manner. Please remember to leave your phone number so we can call you back.

You can contact your specific insurance carrier or claims representative.

When calling either LEGIS or your specific carrier about a claim, please provide as much of the below information as possible:

Policy number
Name of the horse
Nature of incident
Name and phone number of treating veterinarian
Date of incident
Insured’s name and contact information

Once the claim is filed, the best way to receive prompt reimbursement for any covered loss is to give the claims 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.

Please find a list of carriers and claims adjusters. Please make sure to call the correct carrier or adjuster.

You may also call your carrier directly

Bascule Insurance Services

877-474-5006

Berkley Equine (Starnet Insurance Company)

833-734-6365

Great American Insurance Group
800-331-0211

HDI Global Insurance Company
312-456-6762

American Reliable Insurance Company
Hays Adjusting Services, LLC

859-788-5006

American Equine Insurance Group

Argonaut

National Equine Adjusters

800-783-9418

Glencar Insurance Company

Praetorian

QBE

AXA XL

Richard Ketch Equine

800-732-6012

The Hartford

800-295-1815

Property & Liability Claims

What do you do in an incident regarding damage or loss to real property, or equipment?

What should you do if there is an injury to a person on your property or during your event?

First, make sure all people and animals are safe. Second, providing it is safe to do so, take appropriate steps to reduce or mitigate any further damage from occurring.

In addition, notify authorities, such as the police, as appropriate. For example, if a theft has occurred you need a police report.

Finally, please notify LEGIS during business hours in as timely a fashion as possible. Please have relevant facts and information pertaining to the incident or accident available when you call us at : 866-780-3713.

A “claim” is when the insurance carrier is officially notified that a loss has occurred. An “incident” is generally when something has happened that may result in claim. Usually these are liability matters such as someone getting a minor injury caused by a horse or a trip and fall. The situation may or may not result in filing a claim with the insurance carrier. However, we always recommend that you notify us.

When calling about a claim or incident, please provide as much of the below information as possible:

Policy number
Insured’s name and contact information
Nature of incident
Date of incident
Identify any deaths and serious injuries
Other information that may be relevant to the particular situation

You may also call your carrier directly.

You may find the following guidelines helpful in accident reporting procedures:

1. Obtain as many accident details as possible.
2. Take photos. Show the area where the incident happened, damaged items, and anything else that may be relevant to the situation. Do this in as timely a fashion as possible.
3. Obtain names, contact information, and report numbers of police, fire, medical or hospital authorities involved.
4. Call and report any incidents to LEGIS or your insurance carrier’s claims department.
5. Take photos of the incident area, and as much of the damaged items as possible. Do this in as timely a fashion as possible.
6. Make written notes as soon as possible and prepare a diagram as appropriate for the situation.

DON’T

1. Divulge information about insurance coverage.
2. Admit responsibility for the accident or injury.
3. Discuss the situation with anyone other than your insurance representative or someone authorized by your carrier. Do answer questions from official emergency personnel.