Rico, Pfitzer, Pires and Associates
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Equine Insurance

rpp1Rico, Pfitzer, Pires and Associates is happy to offer coverage on all of your equine needs.  It is our goal to educate you in hopes that you are able to understand what is available to protect your equine investment and your business.   We represent companies that offer the best coverage available in California at reasonable rates.   Our equine specialist Joye Mendes has over 15 years of equine experience, and she knows what it takes to protect the equine side of your investment.


Rico, Pfitzer, Pires & Associates offers:

Full Mortality

This is a life insurance policy for your horse, with you (the owner) as beneficiary. This is an “all risk” policy, which will cover death from almost any cause, and there are many endorsements that can be added for increased coverage and additional premium.

Endorsements/Optional Coverage:

Major Medical
Horse health insurance that reimburses you for veterinary medical and surgical expenses associated with the covered animal if such expenses are a result of a covered accident, injury, sickness, or disease.

Coverage of surgical expenses incurred to save the life of a covered animal when the surgery is required as a direct result of a covered accident, injury sickness, or disease.

Loss of use
Provides coverage if your equine becomes unfit for their first use specified in the policy due to a covered accident, injury, sickness, or disease.

Accident, Sickness, and Disease Coverage
Covers stallions that become incapable of servicing mares due to covered infertility, impotence, accident, injury, sickness, or disease.

Event Coverage
Coverage that is designed specifically for all types of horse-related businesses on rented or owned premises, such as; boarding, breeding, training, riding instruction, horse sales, clinics, team roping, team penning, horse shows and practices.rpp2

Equestrian Club
Protection in case of a lawsuit arising. Liability policy that can provide the protection a club may need for owned or leased premises, public event days, and various club functions.

Farm and Ranch
Can cover anything from a small acreage pleasure farm to a multiple location commercial farm.  These policies are multi-line policies that can include a dwelling, personal property, farm property, liability, auto, and umbrella all in one policy.

Commercial Equine Liability
This coverage is important if you perform any commercial equestrian activities such as boarding, lessons, training, breeding, racing, clinics, etc on rented or owned premises. We also have coverage available for independent horse trainers and riding instructors.

Care Custody and Control
This is an essential coverage for any horse facility which involves non-owned horses, and can include anything from boarding, to breeding, to training.

To help make the best decision give Joye a call at (209) 856-8843 or e-mail her at jmendes@rppins.com  with any questions and she will be happy to help you understand the options and coverages that are offered.


Joye Mendes207 5th St. Gustine Ca
Cell: 209.259.7665
Office: 209.856.8843

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