Business Details
Your Trusted Insurance Partner in Arroyo Grande
Since 1986, Laurel Fowler Insurance Broker has specialized in equine insurance solutions tailored to horse owners and farms. Our independent brokerage leverages relationships with top-rated carriers to secure competitive pricing and comprehensive coverage. With decades of industry experience and a team of licensed professionals, we provide personalized service for equine, farm, commercial, and personal insurance needs.Our commitment to understanding clients' unique requirements ensures customized policies that protect homes, barns, vehicles, and agricultural operations. As horse owners ourselves, we combine professional expertise with firsthand passion for the equine industry.
Services
Equine Insurance
Farm & Ranch Insurance
Commercial Insurance
Homeowners Insurance
Auto Insurance
Workers Comp
Bonds
Earthquake Insurance
Health Insurance
Liability Coverage
Highlights and features
- We offer over 35 years of specialized equine insurance expertise since 1986
- Our independent brokerage accesses specialty markets for optimal pricing
- Tailored coverage solutions for horse owners and agricultural operations
- Comprehensive protection for homes, barns, vehicles, and farm equipment
- Team includes licensed professionals with direct equine industry experience
Services
Equine Insurance
Our equine insurance provides comprehensive protection for all horse breeds and operations. Coverage includes mortality, liability, medical expenses, and loss of use. We tailor policies to meet specific needs of private owners, trainers, and commercial farms.
Farm & Ranch Insurance
Farm/ranch policies cover main dwellings, outbuildings, equipment, and liability. We offer scheduled/unscheduled property coverage and umbrella liability up to $10 million. Protection extends to livestock, feed, and agricultural operations.
Commercial Insurance
General liability and property coverage protect businesses from bodily injury, property damage, and advertising injuries. We offer package policies like BOPs combining liability and property coverage for cost efficiency.
Homeowners Insurance
Coverage protects against theft, storms, and fire damage to homes and possessions. Includes loss of use reimbursement and medical payments for guest injuries. Excludes home-based business liabilities.
Auto Insurance
Personal auto policies cover property damage, liability, and medical expenses. We offer classic car insurance and multi-policy discounts. Coverage includes collision, comprehensive, and uninsured motorist protection.
People
Laurel Fowler
Owner
Insurance broker since 1986 with equine industry expertise. Horse owner with deep understanding of client needs. Leads team in providing tailored insurance solutions for horses, farms, and commercial operations.
Linda Anderson
Licensed Agent
Licensed since 1981 with equine insurance specialization. California native with thoroughbred ranch background. Handles farm packages and equine liability insurance needs since joining in 2003.
Jenny McWilliams
Licensed Agent
Licensed agent since 2020 with broad insurance expertise. Provides personalized service for personal and commercial insurance needs. Joined team as Laurel's 'Girl Friday' in 2020.
Mekayla Landers
Licensed Agent
Licensed agent since 2020 with expertise in personal and commercial insurance. High school tennis coach and active community member. Assists clients with comprehensive coverage solutions.
Mikayla Garcia
Licensed Agent
Licensed agent since 2019 with outdoor recreation interests. Provides insurance solutions for diverse client needs. Enjoys hiking, camping, and horseback riding in free time.
Questions
What types of equine insurance do you offer?
We provide mortality coverage, liability protection, medical expense reimbursement, and loss of use insurance for all horse breeds and operations.
Do you offer farm/ranch insurance packages?
Yes, our farm policies cover dwellings, outbuildings, equipment, and liability with options for scheduled property and umbrella coverage up to $10 million.
What commercial insurance options are available?
We offer general liability, property coverage, and business owner policies (BOPs) combining multiple protections for cost-effective commercial solutions.
Can you help with homeowners insurance?
Yes, we provide standard homeowners policies covering theft, storm, and fire damage with loss of use reimbursement and medical payments coverage.
Do you offer auto insurance discounts?
We provide multi-policy discounts when insuring both home and auto. Classic car coverage options also available.
