About
Cheval Insurance Services, Inc. is a niche insurance agency specializing in equestrian, sports, and recreational insurance. Founded on deep experience in horse care, training, and competition, Cheval takes a holistic risk management approach—assessing potential exposures, educating clients, and building tailored coverage programs that mitigate or transfer risk effectively. Their product lineup covers a broad spectrum of needs: commercial equine liability, horse mortality, farm and ranch policies, stable workers' compensation, equine personal liability, trail rides and riding organizations, horse shows and events, pony rides, carriage rides, outfitter and guide programs, and more. Beyond equestrian markets, Cheval also insures martial arts schools, dance studios, personal trainers, yoga instructors, wedding receptions, camps, clinics, stand-up paddleboarding operations, and other recreational activities. Additionally, Cheval offers value-added services such as on-site risk management inspections (Southern California), risk management surveys, suggested release and boarding agreements, and group speaking engagements for clubs and organizations. Their 800-97-HORSE hotline and dedicated team make it easy for clients across the country to get expert guidance. Cheval is ideal for individual horse owners, professional trainers, event promoters, farm and ranch operators, and recreational sports businesses seeking specialized, knowledgeable insurance support.
Key Features
- Equestrian & Farm Insurance: Comprehensive coverage for horse owners, trainers, equine mortality, farm/ranch operations, and stable workers' compensation.
- Event & Organization Coverage: Specialized policies for horse shows, trail rides, riding clubs, pony rides, carriage rides, and outfitter/guide operations.
- Recreational & Sports Insurance: Broad coverage for martial arts schools, dance studios, personal trainers, yoga instructors, paddleboarding, camps, and more.
- Risk Management Services: On-site inspections, risk management surveys, and suggested release/agreement templates to help minimize operational exposure.
- 'A'-Rated Admitted Carriers: Works almost exclusively with top-rated, admitted insurance companies to ensure reliable and comprehensive protection.
Use Cases
- A professional horse trainer seeking liability coverage for lessons, boarding, and clinics on their property.
- A horse show organizer needing event liability insurance for participants, spectators, and venue protection.
- A farm or ranch owner looking for comprehensive property, liability, and workers' compensation coverage.
- A recreational outfitter or trail ride operator requiring commercial liability insurance for guided riding programs.
- A martial arts studio or dance school owner seeking affordable liability coverage for students and instructors.
Pros
- Deep Industry Specialization: Decades of hands-on experience in equestrian sports means Cheval understands the unique risks that generic insurers often overlook.
- Customized Coverage Programs: Policies are tailored to each client's specific situation rather than offering one-size-fits-all solutions.
- Value-Added Risk Management: Beyond just selling policies, Cheval provides inspections, surveys, and educational resources to actively reduce client risk.
Cons
- Regional On-Site Services: On-site risk management inspections are limited to Southern California; clients outside the area must rely on remote surveys or calls.
- Niche Focus: Primarily serves equestrian and recreational sports markets, so businesses outside these sectors may find limited relevance.
Frequently Asked Questions
What types of equine insurance does Cheval offer?
Cheval offers commercial equine liability, equine personal liability, horse mortality, farm/ranch coverage, stable workers' compensation, and coverage for trail rides and riding organizations.
Does Cheval insure non-equestrian businesses?
Yes. Cheval also insures martial arts schools, dance studios, personal trainers, yoga instructors, wedding receptions, camps, clinics, stand-up paddleboarding operations, vendors, and performers.
Can Cheval perform an on-site risk management inspection?
On-site inspections are available for businesses located in Southern California. For clients farther away, Cheval conducts remote risk management surveys and offers phone consultations.
What insurance carriers does Cheval work with?
Cheval works almost exclusively with 'A'-rated and admitted insurance companies to ensure clients receive the most comprehensive and financially stable coverage available.
How can I contact Cheval Insurance?
You can reach Cheval by phone at 714-447-9191, toll-free at 800-97-HORSE (800-974-6773), by fax at 714-525-9191, or by email at [email protected]. They are based in Fullerton, CA.
