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Your Trusted Partner for Equine & Farm Insurance Solutions
At Cowley Insurance Agency, we believe personal relationships are the foundation of successful business. As an independent equine and farm insurance agency, we prioritize delivering personalized service tailored to our clients' unique needs. Our team combines extensive industry experience with a deep understanding of equine and agricultural sectors to create customized coverage packages that balance comprehensive protection with affordability. Headquartered in Charleston, West Virginia, we serve clients nationwide while maintaining a commitment to responsive, 24/7 claims support.Our specialists work directly with policyholders to navigate insurance complexities, ensuring clarity about coverage options and claims processes. Through continuous client education and streamlined service delivery, we aim to simplify insurance management for horse owners and agricultural operations across the United States.
Services
Equine Insurance
Farm Insurance
Mortality Coverage
Major Medical Coverage
Surgical Coverage
Liability Protection
Care Custody Control
Ranch Insurance
Horse Boarding Coverage
Equine Event Insurance
Highlights and features
- We combine equine industry expertise with specialized insurance knowledge
- Our independent agency model offers multiple carrier options
- Customized coverage packages tailored to specific breeds and operations
- 24/7 claims assistance for emergency situations
- Secure online payment and policy management systems
Services
Equine Insurance
Our equine insurance solutions protect horse owners against financial losses from mortality, medical emergencies, and surgical needs. Coverage includes mortality protection for death due to accidents, illness, or theft, plus medical expense reimbursement for veterinary care. Policies accommodate various breeds and usage scenarios.
Farm Insurance
Comprehensive farm insurance covers residential and commercial properties, equipment, and liability exposures. Protection extends to structures, tack, and business operations including boarding facilities and equine events. Customizable policies address unique agricultural risks and property combinations.
Mortality Coverage
Mortality policies provide financial protection for horse owners in case of death from covered accidents, illnesses, or theft. Automatic coverage extends across the continental US and Canada, with optional endorsements for expanded protection during transportation or international travel.
Major Medical Coverage
This coverage reimburses veterinary expenses for unexpected health issues, including diagnostics, treatments, and surgeries. Designed to complement mortality policies, it helps manage costs of illness, injury, or disease treatment while maintaining the horse's well-being.
Surgical Coverage
Surgical endorsement coverage addresses life-saving procedures and related medical expenses. Includes anesthesia, diagnostic testing, hospitalization, and post-operative care costs. Provides financial support for emergency surgeries while ensuring proper veterinary treatment.
People
Justin Cowley
President and CEO - Agent
With decades of equine industry experience, Justin Cowley leads our agency's commitment to specialized insurance solutions. His expertise in risk management and client advocacy ensures personalized service for horse owners nationwide.
Leetta Webb
Business Manager - Farm and Liability Agent
Leetta Webb brings extensive agricultural insurance knowledge to our team, specializing in complex farm liability and property coverage. Her background in rural risk management supports comprehensive protection for farming operations.
Gina Miller
Customer Service Specialist
Gina Miller provides dedicated client support, ensuring smooth policy administration and claims processing. Her equine industry background helps bridge communication gaps between policyholders and insurance providers.
Debra Harpold
Administrative Assistant
Debra Harpold supports our operations with meticulous attention to policy documentation and client communications. Her organizational expertise maintains efficient service delivery across our nationwide client base.
Questions
How do I get a quote for equine insurance?
Contact us via phone or email to discuss your specific needs. We'll help determine appropriate coverage options and provide a customized quote based on your horse's value and usage.
What is the claims process for equine policies?
Report claims immediately through our 24/7 hotline. Provide veterinary documentation and follow instructions for autopsies or police reports when required to maintain coverage validity.
Does farm insurance cover boarding facilities?
Yes, our policies include commercial equine liability coverage for boarding, training, and event operations. Customizable limits address specific business exposure levels.
Are there payment plan options available?
We offer secure online payments for policy premiums. Discuss installment options with your agent during the application process for flexible payment arrangements.
What's covered under major medical insurance?
Major medical covers veterinary expenses for accidents, illnesses, and surgeries. Includes diagnostics, treatments, hospitalization, and medication costs up to policy limits when used with mortality coverage.
