We represent 100 different companies. You can look at your insurance policy to find out what carrier you are with.
If you are having trouble please contact your Basin Pacific agent or contact us and we’ll get you the information.
You can talk to your insurance adjuster to find any status on your claim.
Policyholders are encouraged to call our office to discuss the claim with your agent. However, the insurance company and the assigned claims adjuster determines what is covered under the policy.
To contact us toll free at 888-303-3230 or email us via our contact form.
Date and time of the claim, location, description of what happened and what was damaged, contact info of other parties that were involved.
When you are ready to file a claim, click here.
Call our office promptly to provide details about the new claim. If necessary, protect your property from further damage by making reasonable temporary repairs. Do not start the property clean-up or repairs until you have spoken to a claims adjuster and received permission to do so. Keep a record of repair costs and be sure to keep your receipts. If damage was caused by theft or vandalism then notify the police. If your loss is related to a bank electronic fund transfer or credit card, notify your financial institution.
To contact us, call toll free at 888-303-3230 or email us via our contact form.
PROPERTY & CASUALTY
When a company settles a claim you will be paid for the amount of the claim, less the amount of the deductible on the policy, if there is one.
MEDICAL INSURANCE
A deductible is a set amount you have to pay every year toward your medical bills before your insurance company starts paying. It varies by plan and some plans don’t have a deductible.
No. If a deductible applies, it is handled automatically as a part of the claim.
Your liability insurance will pay 100% of the damage for the person you hit. In most cases, liability insurance doesn’t have deductibles. For damage to your vehicle, a deductible will most likely apply. Please refer to your policy or call us to find out what your deductible is.
You’ll find coverage to repair your vehicle under the collision coverage in your policy.
Please contact one of our local, independent agents. To contact us, call toll free at 888-303-3230 or email us via our contact form.
Yes, we provide life insurance at competitive rates. Please contact us, toll free at 888-303-3230 or email us via our contact form.
Please contact one of our local, independent agents. To contact us, call toll free at 888-303-3230 or email us via our contact form.
Please use our Instant Quote tool.
An insurance policy is a contract between you and your insurance company – it lays out what’s covered, what isn’t, and other details of your agreement.
Your primary insurance coverage on your home, auto or business coverage have certain maximum limits they will provide.
HOW DO I OBTAIN HIGHER LIMITS?
An umbrella policy provides additional policy limits that sit over the top of your underlying auto, home or business policy limits. Also, it may provide additional coverage you wouldn’t have with your underlying auto, home or business policies.
Umbrella policies may provide extra coverage in addition to the coverage on your underlying policies as well as providing an additional limit.
Excess policies only provide extra limit and coverage follows the form of your underlying policy.
Five categories are used from your credit report: payment history, total indebtedness compared to available credit, length of credit history, new credit and types of credit in use.
An insurance premium is the amount of money an individual or business pays for an insurance policy.
Insurance underwriters analyze the risks involved in insuring people and/or businesses. The underwriter is responsible for assessing risk factors, determining policy premiums and providing coverage explanations.
A life insurance policy is a contract with an insurance company. In exchange for premium payments, the insurance company provides a lump-sum payment, known as a death benefit, to beneficiaries upon the insured’s death. Typically, life insurance is chosen based on the needs and goals of the owner.
Please contact one of our local, independent agents. To contact us, call toll free at 888-303-3230 or email us via our contact form.
PROPERTY & CASUALTY
A deductible is a specified amount of money that the insured takes responsibility for before the insurance company pays its share of the claim. Deductibles can be changed and also affect the amount of premium you pay for your policy. The higher deductible the more you are willing to pay in the event of a loss to your property and therefore the premium the insurance company charges will be less. The lower the deductible the less you are willing to pay in the event of a loss to your property and the premium the insurance company charges will be more.
MEDICAL INSURANCE
A deductible is a set amount you have to pay every year toward your medical bills before your insurance company starts paying. It varies by plan and some plans don’t have a deductible.
Your primary insurance coverage on your home, auto or business coverage have certain maximum limits they will provide. How do I obtain higher limits? An umbrella policy provides additional policy limits that sit over the top of your underlying auto, home or business policy limits. Also, it may provide additional coverage you wouldn’t have with your underlying auto, home or business policies.
INSURANCE AGENT
Also known as insurance producers, can only represent and quote products for the companies they represent.
INSURANCE BROKER
Basin Pacific helps facilitate coverage of an individual or company across all carriers and products. We are an advocate to you the client and negotiate the best quotes and coverage that work best for you. Including hard-to-find insurance quotes in the secondary or “surplus lines” markets.
Please consult our website to find the office closest to you.
Please consult our website to find the office closest to you.
Please call us toll free at 888-303-3230 or email us via our contact form. If you are calling outside normal business hours, leave a message and we’ll respond at our earliest convenience.
INSURANCE COMPANY
Also known as insurance producers can only represent and quote their products for coverage.
INSURANCE BROKER
Basin Pacific helps facilitate coverage of an individual or company across all carriers and products. We are an advocate to you the client and negotiate the best quotes and coverage that work best for you. Including hard-to-find insurance quotes in the secondary or “surplus lines” markets.
An independent agent represents many different insurance companies and is therefore able to offer many more options when it comes to finding insurance solutions to meet your needs. A captive agent is an agent that can only represent one company and its products.
Please contact one of our local, independent agents. To contact us, call toll free at 888-303-3230 or email us via our contact form.
Please contact one of our local, independent agents. To contact us, call toll free at 888-303-3230 or email us via our contact form.
Please contact one of our local, independent agents. To contact us, call toll free at 888-303-3230 or email us via our contact form.
When a breach occurs, cyber insurance covers the range of expenses that arise. These include identifying and solving the breach,
recovering data, customer notifications, PR costs, possible credit monitoring expenses, legal expenses, potential fines from
compliance regulators, extortion costs from ransomware, and general business interruption.
Yes. Hackers use technology to scan the internet for businesses with weak defenses regardless of the size of the business. A
recent Verizon report notes that 43% of all cyber attacks are against small businesses. Worse, 63% of small businesses had
experienced a breach in the last 12 months. Any business with a computer and an internet connection is at risk – even if you
don’t sell anything on your website.
First-party coverage
Intends to cover damages a business suffers because of a cyber breach. This can include things like
investigative services, business interruption coverage and data recovery.
Third-party coverage
Intends to cover damages if a business’ customers or partners are affected by a cyber attack. This can
include legal fees, settlement costs, security failures and media liabilities.
Cyber crime
Intends to cover damage due to any type of illegal activity that occurs using digital means. Examples of
cybercrime are extortion/ransomware, phishing, social engineering, and wire transfer fraud.
Many general business protection policies only partially cover damage from cyber events, if at all. As mentioned above, cyber
coverage protects against the vast array of possible damages, expenses, and lost business that can occur from a cyber attack.
To be fully protected, ensure you have all coverages – first-party, third-party, and cyber crime. Further, since some cyber events
can result in large expenses, confirm you have adequate sublimits for each of three above coverages.
If your company gets hacked, you will need a breach coach to get your business back up and running fast. When a breach occurs,
you need to assess and contain the damage, notify affected parties (e.g. customers and vendors), evaluate and act on the legal
ramifications from agitated customers to regulatory bodies, and more. A breach coach will quickly assemble the right response
team to deal with these issues. Without an expert it all falls on you, costing you time and money while adversely affecting your
business. Fortunately, most insurance companies now provide a breach coach as part of a greater suite of services when you
purchase stand-alone cyber insurance coverage.
Being properly protected definitely helps. However, there is no way to fully protect against new threats. Hackers are always
adapting to overcome cyber defenses with new versions of current threats or creating brand new methods of attacking
businesses. Human error can also be a factor. Easy-to-hack passwords, phishing emails, or even a lost laptop also present
potential entry points for a cyber criminal. Additionally, a third-party vendor could be attacked, impacting your ability to do
business and exposing your data. Even if you use a third-party vendor for business services, as the data owner you may be
legally responsible. A thorough cyber insurance policy is part of your overall risk management plan to ensure your business
runs smoothly.
There are different types of equine coverage such as:
- Full and Limited Mortality (life insurance for the horse)
- Major Medical and Surgical coverage
- Personal Liability
- Loss of Use
- Theft
- Commercial Equine Operations
- Riding Instructor and Horse Trainer
- Show Animal (events, property, members, spectators, and volunteers)
- Farrier
We represent a wide array of insurance companies and can find the optimal balance of price and coverage to fit your needs.
Pricing varies based on factors like the horse’s age, breed, health, value, intended use, location, and the specific coverage desired all influence the insurance premium you could be quoted.
We represent a wide array of insurance companies and can find the optimal balance of price and coverage to fit your needs.
Some insurance providers may have restrictions on insuring certain horse breeds or ages. Factors that influence this may be:
- Exotic Breeds:
Coverage may be excluded for extremely rare or exotic horse breeds due to the limited availability of information about their health and mortality statistics. - Certain Disciplines:
Horses used in specific high-risk disciplines, such as rodeo or extreme sports, may face breed restrictions because of the elevated risk of injuries. - Wild or Feral Horses:
Wild or feral horses may not be eligible for coverage due to the potential difficulty in assessing their health. - Young Foals:
Some insurance providers may have a minimum age requirement for insuring foals, typically a few months old or older. Foals are often excluded from mortality coverage until they reach a certain age. - Older Horses:
Similarly, insurance providers often set age limits on insuring older horses, typically around 15 to 20 years old. Coverage for senior horses may be - Geriatric Horses:
Extremely old horses, typically in their late 20s or beyond, may be excluded from coverage altogether due to the increased likelihood of health issues and mortality. - Performance Horses:
Some policies may have age restrictions on horses used for specific performance disciplines, as older horses in intense competition may have a higher risk of injury.
We represent a wide array of insurance companies and can find the optimal balance of price and coverage to fit your needs.
Yes, we will help you tailor your equine insurance policy to your specific lifestyle requirements. Additional things to consider are adding endorsements or adjusting coverage limits.
We represent a wide array of insurance companies and can find the optimal balance of price and coverage to fit your needs.
The waiting period, also known as the “elimination period,” in equine insurance refers to the duration of time that must pass after the policy’s effective date before certain coverage aspects become active. The waiting period can vary depending on the insurance provider and the specific type of coverage being considered.
Yes, you can typically insure your horse for its market value through equine mortality insurance. Market value is the price your horse would sell for on the open market, considering factors such as breed, age, training, accomplishments, and overall health. This is the most common way to insure horses, especially those with significant value.
Typically no, routine veterinary care (such as vaccinations and dental work) is not covered by equine insurance. Owners should understand what is considered “routine” versus “emergency” care.
Yes, many equine insurance providers offer discounts for multiple horses and specific safety measures. These discounts are designed to encourage responsible horse ownership and reduce risks for both horse owners and insurance companies. Here are some common types of discounts you may be eligible for:
- Multiple Horse Discount
- Safety Measures Discount
- Professional Training and Certification Discount
We represent a wide array of insurance companies and can find the optimal balance of price and coverage to fit your needs.
Mortality insurance typically provides coverage in the event of the death of a horse. This coverage can be vital for horse owners, especially those who have valuable horses or horses used for specific purposes. Here is what equine mortality insurance typically covers:
- Death due to Accident:
Mortality insurance covers the death of the insured horse resulting from accidental injuries. This can include injuries sustained in accidents such as falls, collisions, or other unforeseen events. - Death due to Illness:
Mortality insurance also covers the death of the horse due to illness or disease, provided that the illness is not a pre-existing condition or otherwise excluded in the policy. - Humane Euthanasia:
If a horse’s condition becomes so severe that euthanasia is deemed necessary by a veterinarian for humane reasons, mortality insurance can cover the cost of euthanasia as well as the insured horse’s market value. - Theft:
In the unfortunate event of horse theft, where the horse is stolen and not recovered, mortality insurance can provide coverage for the horse’s value. - Transportation: Some policies extend coverage to death during transportation, including accidents or injuries that occur while the horse is being transported by road, air, or sea.
- Emergency Colic Surgery: Some policies may include coverage for emergency colic surgery, a common and costly medical procedure for horses, as long as colic is not a pre-existing condition.
- Elective Surgery: Coverage for elective surgeries may be offered as an optional add-on to the policy, covering surgeries that are not emergencies but are chosen for the horse’s well-being.
- International Coverage:
Some policies may provide coverage for horses transported internationally, including death during international travel.
It’s important to note that equine mortality insurance typically covers the insured horse’s market value, which is determined at the time of insuring the horse. The market value is often based on factors such as the horse’s breed, age, training, accomplishments, and overall health.
However, mortality insurance may have exclusions, limitations, and deductibles, so it’s crucial for horse owners to carefully read and understand their policy documents. Additionally, pre-existing conditions, intentional acts, or specific causes of death may be excluded from coverage, so it’s essential to discuss these aspects with the insurance provider and ensure that the policy meets the horse owner’s needs and expectations.
We represent a wide array of insurance companies and can find the optimal balance of price and coverage to fit your needs.
Whether you need liability insurance for your horse depends on several factors, including your specific circumstances and how you use your horse. Liability insurance is designed to protect you in case your horse causes injury or property damage to others. Here are some considerations to help you determine if liability insurance for your horse is necessary:
- Ownership and Use:
If you own a horse and use it for recreational riding or personal purposes, the need for liability insurance may be less pressing. However, accidents can happen even in these situations, so it’s essential to weigh the risks. - Boarding or Training Services:
If you board your horse at a facility or use training or riding instruction services, the facility may require you to have liability insurance. This is to protect them in case an accident involving your horse occurs on their property. - Horse Shows and Competitions:
If you participate in horse shows, competitions, or organized events, the organizers often require participants to have liability insurance. It’s also a good idea to have coverage in case your horse causes an accident during such events. - Public Access and Trail Riding:
If you take your horse out in public areas, such as parks or trails, there is a risk that your horse may interact with other people or property. Liability insurance can provide protection in case of accidents in these settings. - Rental or Lease:
If you lease or rent your horse to others, having liability insurance is highly advisable to protect yourself from potential legal claims arising from accidents involving the horse while under someone else’s care. - Equine Businesses:
If you are involved in an equine-related business, such as riding lessons, horse training, or offering guided trail rides, liability insurance is typically required to protect both your business and clients. - Homeowners or Farm Insurance:
Some homeowners or farm insurance policies may offer limited liability coverage for incidents involving horses. However, this coverage is often insufficient for horse owners who are actively involved in equine-related activities. - State and Local Regulations:
Check if your state or local regulations require liability insurance for horse owners or equine-related businesses. Requirements can vary by jurisdiction.
We represent a wide array of insurance companies and can find the optimal balance of price and coverage to fit your needs.
