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Business Details
42 Years
experience
Trusted Equine and Farm Insurance Solutions
Marnitz & Associates Insurance has been a national leader in equine and farm-related risk insurance since 1984. With over 35 years of experience, we specialize in providing comprehensive coverage for horse farms, ranches, and equine operations across 48 states. Our family-owned business combines deep industry expertise with personalized service to meet the unique needs of agricultural and equine clients. We offer specialized policies including farm and ranch insurance, equine liability, mortality coverage, and riding club insurance.

Our commitment to exceptional customer service and affordable rates has established us as one of the nation's largest equine farm insurers. We prioritize understanding local market needs while maintaining national reach, ensuring clients receive tailored protection for their valuable assets and livestock.
Services
Farm and Ranch Insurance Equine Liability Insurance Mortality Insurance Riding Club Insurance Canine Mortality Coverage Equine Law Assistance
Details
  • Year established: 1984
Highlights and features
  • We have over 35 years of experience in equine and farm insurance.
  • Our team offers specialized policies tailored to agricultural needs.
  • We serve clients in 48 states with localized expertise.
  • Our family-owned business prioritizes personalized customer service.
  • We provide competitive rates without compromising coverage quality.
What people say
Exceptional insurance coverage Trusted coverage options Experienced team members Affordable rates Personalized service
Services
Farm and Ranch Insurance
Our farm and ranch insurance protects agricultural operations with comprehensive policies covering property damage, liability, and livestock risks. We tailor coverage to address unique challenges faced by farmers and ranchers, including equipment protection, crop-related risks, and third-party liability. With decades of experience, we ensure your investment receives specialized protection matching industry standards.
Equine Liability Insurance
Equine liability insurance safeguards horse-related businesses and owners from legal claims involving injuries or property damage. Our policies cover riding facilities, training centers, and equine events across 48 states. We address specific risks associated with horse handling, public interactions, and facility operations while maintaining competitive pricing for commercial and private clients.
Mortality Insurance
Mortality insurance provides financial protection for horse owners against loss due to death, illness, or injury. We offer customizable policies covering individual horses, breeding stock, and performance animals. Our coverage includes veterinary expenses, replacement value, and specialized protection for thoroughbreds and other high-value equines through nationwide service networks.
Riding Club Insurance
Riding club insurance addresses specific risks faced by equestrian centers and riding schools. Our policies cover facility damage, instructor liability, and student-related incidents while accommodating varying operational scales. We provide tailored solutions for indoor/outdoor facilities, lesson programs, and competitive riding organizations across multiple states.
Canine Mortality Coverage
Canine mortality coverage protects pet owners and breeders from financial loss due to dog-related medical emergencies or death. Our policies cover veterinary treatments, accidental injuries, and breed-specific health conditions. We offer flexible terms for companion animals and working dogs while maintaining straightforward claims processes and nationwide availability.
Questions
What types of equine insurance do you offer?
We provide equine liability, mortality coverage, riding club policies, and specialized protection for horse farms and ranches across 48 states.
Do you serve clients outside Kentucky?
Yes, we operate nationwide in 48 states while maintaining our headquarters in Lexington, Kentucky.
How do I file a claim?
Contact our Lexington office directly at (859) 223-6728 to speak with a claims specialist about your specific situation.
Are your rates truly competitive?
We guarantee affordable pricing without sacrificing coverage quality, supported by our 35+ years of industry experience.
Can I get insurance for my riding facility?
Yes, our riding club insurance covers facility operations, instructor liability, and student-related risks with customizable policy terms.
Do you offer 24/7 customer support?
Our regular business hours apply, but we prioritize urgent equine-related claims assistance during standard operating times.
Reviews (2)
Candace Dwyer
Nov 03, 2018 Report
I have never written a Google review, but after seeing one star rating, I had to add ours. Brooke and Marnitz Ins. have been one of our insurance agents for years, they are wonderful, accommodating, and efficient. They are always looking out for us and our holdings.
Phyllis Strickland
Jan 16, 2014 Report
It is impossible to get service from this agency! No one answers, have to leave a message but they don't return calls either.