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Trusted Equine & Farm Insurance Solutions in Charleston, WV
Cowley Insurance Agency has built its reputation on personal relationships and tailored service in the equine and farm insurance sectors. As an independent agency, we prioritize our clients' unique needs, leveraging decades of industry experience to craft customized coverage packages. Our team combines deep knowledge of equine and farm insurance complexities with a commitment to affordability and comprehensive protection. Headquartered in Charleston, West Virginia, we serve clients nationwide while maintaining a hands-on approach to policy management and claims resolution. Our specialists understand both the emotional and financial value of horses and agricultural operations, ensuring coverage aligns with real-world requirements.Through partnerships with leading insurers, we deliver policies that address mortality, medical emergencies, liability, and property risks. Our 24/7 claims support ensures prompt assistance during critical moments, reflecting our dedication to client peace of mind. Continuous education about industry-specific risks allows us to anticipate challenges and provide proactive insurance solutions. Transparency in policy terms and pricing remains central to our client interactions, fostering long-term trust and satisfaction. This combination of expertise, personalized service, and nationwide reach defines our approach to protecting equine and farm investments.
Services
Equine Insurance
Farm Insurance
Mortality Coverage
Major Medical Coverage
Surgical Coverage
Highlights and features
- We offer 25+ years of specialized equine and farm insurance expertise
- Our team provides 24/7 claims assistance for urgent situations
- Custom coverage packages tailored to specific breeds and operations
- Nationwide service with local West Virginia roots and understanding
- Direct partnerships with leading equine insurance carriers
What people say
24/7 claims support
Customized coverage options
Industry-specific expertise
Responsive customer service
Affordable rates
Services
Equine Insurance
We provide comprehensive equine insurance solutions covering mortality, medical expenses, and surgical procedures. Our policies protect against accidental death, illness, theft, and veterinary costs. Customizable coverage adapts to individual horse values, breeds, and usage scenarios while maintaining affordability.
Farm Insurance
Our farm insurance packages protect agricultural properties including dwellings, equipment, and liability exposures. Coverage extends to boarding facilities, riding arenas, and commercial equine operations. Policies address property damage, liability claims, and business interruption risks specific to farming and ranching operations.
Mortality Coverage
This core coverage provides financial protection against horse death from accidents, illness, or theft. Policies automatically cover horses within the continental US and Canada. Coverage amounts reflect individual animal values with clear terms for humane destruction and veterinary interventions.
Major Medical Coverage
Reimbursement for veterinary expenses related to accidents, illnesses, or injuries. Covers diagnostic tests, treatments, and surgical costs up to policy limits. Designed to complement mortality policies while addressing ongoing healthcare needs for horses of all disciplines.
Surgical Coverage
Specialized coverage for life-saving equine surgical procedures. Includes anesthesia, hospitalization, and related medical expenses. Provides financial protection for unexpected surgical requirements while ensuring access to quality veterinary care during critical health events.
People
Justin Cowley
President and CEO - Agent
Justin Cowley leads the agency with extensive equine insurance expertise, combining business leadership with hands-on industry knowledge to deliver tailored insurance solutions for horse owners nationwide.
Leetta Webb
Business Manager - Farm and Liability Agent
Leetta Webb specializes in farm liability insurance, bringing agricultural risk management experience to develop comprehensive coverage packages that protect both property and business operations.
Gina Miller
Customer Service Specialist
Gina Miller provides dedicated customer support, ensuring policyholders receive timely assistance with coverage questions, claims processing, and insurance documentation management.
Debra Harpold
Administrative Assistant
Debra Harpold supports agency operations with administrative expertise, maintaining efficient policy management systems and client communication processes.
Questions
What types of equine insurance do you offer?
We provide mortality coverage, major medical reimbursement, and surgical insurance for horses, with customizable policies to match individual animal values and usage.
Do you cover farm operations nationwide?
Yes, we provide farm insurance coverage across the United States, addressing property, liability, and business exposures for agricultural operations of all sizes.
How does the claims process work?
Contact our 24/7 claims line immediately for assistance. We guide you through documentation requirements and coordinate with veterinary professionals to ensure proper claims handling.
Can I get coverage for multiple horses?
Yes, we offer multi-horse policies with flexible coverage options that adapt to breeding farms, riding schools, and commercial equine operations.
What areas do you serve?
While based in West Virginia, we provide insurance solutions for equine and farm clients throughout all 50 states.
Do you offer payment plans?
We provide flexible payment options for policy premiums - contact our office to discuss available payment arrangements for your insurance coverage.
Reviews (1)
Justin Cowley
Oct 18, 2018
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I love this company. Its my pride and joy. We strive to know each and every client, and do the best we can every day we are in business.
