Management & Maintenance

Insurance Coverage for horse industry, natural disaster insurance coverage, Homeowners’ Insurance Policy, horse barn fire coverage, mitigate insurance risks

In recent years, many parts of Canada have been devastated by natural disasters, including forest fires, ice storms, and floods. These disasters have impacted the equine community by causing loss and damage to barns, fencing, pastures, feed supplies and livestock, among other things.

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For the horse owner, the onset of fall weather can signal the start of the search for storable forage before winter begins. Considerations such as forage type and storage form, nutritional content, palatability, and cost all become important.

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Horses are naturally designed to live outside. With shelter from the wind and elements and access to fresh water and good quality hay, most horses can live quite comfortably surrounded by their companions without a stable. This is not always a convenient option for their human counterparts.

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“The stable environment invariably presents challenges of dust, mould and proper ventilation,” says Susan Raymond, instructor of Equine Guelph’s Management of the Equine Environment online course. “Most horses are well equipped for living outdoors and thrive, provided certain provisions are met.” Dr. Raymond completed her PhD in investigating the effects of exposure of horses to mycotoxins. She has also been involved in air quality research, which provided practical recommendations to the horse industry on stable design and management.

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Many people dream of leaving the city behind for the slower pace and more natural lifestyle of the countryside. The yearning for country living may be driven by the dream of keeping your horses at home, owning other livestock, developing a large garden, and enjoying a healthier way of life. But this idealized vision of rural life may not reflect reality for you and your family. There are many practical, environmental, and legal considerations to sort through, not to mention the financial costs. So before dropping a down payment on a piece of property, you have some homework to do, and there are some important factors to consider that might save you big headaches later on.

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There is a certain allure to purchasing property. For most people, this means a quaint home, a cute front porch, and a white picket fence. For horse people, this dream is multiplied. We seek limitless green pastures, a barn built for royalty, crisp and clean horse-safe fencing, and more.

It’s now nearly 150 years since the Great Chicago Fire, which, according to popular legend, broke out after Catherine O’Leary’s infamous milking cow kicked over a lantern in the barn on the night of October 8, 1871. The resulting barn fire, aided by the wind, destroyed three square miles of the City of Chicago, killing approximately 300 people, destroying 18,000 buildings, and leaving 100,000 people – a third of the city’s population – homeless before it was finally brought under control the next day.

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