Your Tennessee-Based Equine Insurance Specialist
At Oak Hill Risk Advisors, we are licensed to write equine and farm insurance across the entire United States, but our primary market and deepest expertise are rooted right here in:
Tennessee
We also have substantial client presence in:
- Alabama
- Georgia
- Kentucky
- Mississippi
- Arkansas
- Texas
- Florida
And we continue to serve horse owners and equine businesses nationwide, regardless of location.
Wherever your horses live — we can insure them.
Why Equine Insurance Requires a Specialist
Horse farms—whether in Tennessee or anywhere in the country—have unique exposures that standard homeowners or commercial policies exclude, such as:
- Boarding & training liability
- Riding instruction exposure
- Care, Custody & Control
- Tack & equipment coverage
- Barn/arena replacement cost
- Mortality & major medical
- Tractor & machinery risks
- Volunteer & employee injuries
- Clinic, show & event liability
Most agents simply look for the cheapest quote.
But equine insurance is not a commodity — it is a legal contract, and:
- Exclusions matter
- Definitions matter
- Endorsements matter
- CCC language varies
- Liability triggers differ
- Property valuation differs
- Professional liability terms vary
A cheaper premium with the wrong exclusions is not a good policy.
Coverage first. Best pricing second.
With our Tennessee roots, national carrier access, industry volume, and equine-specialty knowledge, we consistently obtain the least expensive option that still provides the correct coverage.
You never have to choose between affordability and protection — we deliver both.
Agribusiness & Farm Insurance Specialist
AFIS is the only nationally recognized designation dedicated solely to:
- Equine operations
- Farm & ranch risks
- Agricultural property & liability
- Rural exposures
Very few agents in Tennessee — or nationally — hold this credential.
As an AFIS-credentialed advisor, Ryan McKinney understands equine risk, policy wording, and farm exposures at a level most agents do not.
This ensures that your policy is structured correctly, no matter what state your property is in.
We Represent All Major Equine & Farm Carriers Nationwide
As a truly independent agency, we represent you, not the carrier.
We work with every major equine-specialty market, including but not limited to:
- Markel
- American Reliable
- Great American
- Bascule
- Travelers Agribusiness
- Chubb Agribusiness
- American Equine Group
- Berkley Agribusiness
- The Hartford
This allows us to compare coverage differences across markets and match your farm with the correct carrier for your state, operation, and risk profile.
Insurance for Personal Horse Farms
Property Coverage
- Homes, barns & outbuildings
- Arenas & riding rings
- Fencing
- Tack, saddles & equipment
- Trailers & farm vehicles
- Hay, feed & supplies
- Replacement-cost options for barns/arenas
Horse Owner Liability
- On- and off-premises exposures
- Show, clinic & event liability
- Coverage for visitors & riders
Equine Mortality & Major Medical
- Full mortality
- Major medical
- Surgical
- Colic surgery
- Loss of use options
Insurance for Commercial Equine Operations
General Liability
- Boarding barns
- Training barns
- Riding instructors
- Lesson programs
- Breeding farms
-Clinics, camps & shows
-Horse sales & consignment
Care, Custody & Control (CCC)
Covers non-owned horses in your care.
Farm Property
- Barns, arenas & structures
- Tack rooms & feed storage
- Tractors & UTVs
- Farm machinery
- Replacement-cost options
Farm Liability
- Riders, boarders & spectators
- Independent trainers
- Lesson horses & programs
Workers’ Compensation
- Trainers
- Staff
- Stall cleaners
- Seasonal workers
Additional Specialized Equine Coverages
- Equine professional liability
- Tack equipment coverage
- Farm auto & trailer insurance
- Show & event liability
- Therapeutic riding programs
- Mare & foal coverage
- Stallion infertility
- Loss of use
- Cyber liability for equine businesses
Common Insurance Gaps on Farms
Most farms unknowingly operate with uncovered exposures:
- No CCC protection
- Homeowners policy excluding horses
- Barns undervalued at ACV
- Boarding/training not disclosed
- Personal auto used commercially
- Tack not insured separately
- Off-premises riding not covered
- No lesson program liability
We uncover these gaps before a loss — not after.