Owning and operating a successful business is an amazingly rewarding experience. However, to stay in business long-term, you need to continuously grow your client base. To do so, you should always strive to provide exceptional customer service to your clientele. You can accomplish this task by training your salespeople well. You should also search for effective ways to advertise your business’s product or service offerings. Some wonderful places to advertise your goods or services include newspapers, magazines, your website, and the social media outlets you engage in. On this blog, I hope you will discover smart tips to help you succeed in business.
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Having horses can be a great pleasure. They also take a lot of time and money to keep. In addition to maintaining a safe place for them to live, they need to be groomed and worked with regularly. You also have to buy hay and other food for them, have routine hoof care and worm treatments, and pay for the occasional veterinary visit. To protect your investment, and keep yourself from lawsuits, you should also have insurance coverage for equines.
Property Damage
If your horse goes on a run and damages something on your property, that is one thing. However, if the horse gets off your property and destroys the neighbor's yard, irrigation system, or other belongings, that is something else. You do not want to end up in a lawsuit and have to compensate the neighbor for the damages out of your own pocket. Having insurance will keep your personal money safe.
Injuries
Unfortunately, people get injured around horses. It doesn't matter if they are riding them or not; things happen. You may think you know and can trust your company and your horse but if something goes wrong, you could be held responsible for some hefty medical bills. Even if you make everyone sign waivers, you can still be sued. Make sure your equine insurance coverage is in line with the number of outsiders you allow to ride your horse.
Other's Horses
It is common to have friends and their horses come for a visit and ride. You may also have a friend's horse at your place while they are on vacation. If anything were to happen to these other horses while under you care, you do not want to have to worry about a big vet bill or replacing the horse. Having insurance is the only way to avoid having to worry about finding the money for these incidents.
Hay and Feed
It might seem like a strange idea to get insurance to cover hay and feed, but you spend a lot of money on hay and feed for your horse. If there is a storm that destroys it, you are out the money and have to buy more. However, you can purchase insurance to cover such losses. Of course, you may have to prove you did everything possible to avoid the loss, but it can save you a lot of money.
Talk to your insurance agent about adding equine coverage to your homeowner's policy. You can also talk with other insurance companies that offer farm insurance, such as Western Reserve Group. Your horse may be your best friend, but you shouldn't have to worry about added expenses if it gets out of the corral or out of hand.
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