Business Details
Emergency
services
Trusted Equine & Farm Insurance Solutions in Charleston, WV
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 tailored service to meet our clients' unique needs. Our team leverages extensive industry experience to design customized coverage packages that balance comprehensive protection with affordability. Specializing in equine and farm insurance, we serve clients nationwide while maintaining a local focus on understanding the specific risks faced by horse owners and agricultural operations. Our commitment to personalized attention ensures clients receive guidance that aligns with their operational goals and financial constraints. 
Services
Equine Insurance
Farm Insurance
Mortality Coverage
Major Medical
Surgical Coverage
Highlights and features
- We offer 20+ years of specialized experience in equine and farm insurance.
- Our team consists of certified insurance professionals with industry-specific expertise.
- We provide 24/7 claims assistance for emergency situations.
- Our customized coverage packages adapt to unique client needs and budgets.
- We operate with full transparency and no hidden fees.
Services
Equine Insurance
Our equine insurance policies protect horse owners against financial losses from mortality, medical emergencies, and surgical needs. Coverage adapts to different breeds and usage scenarios including show horses, breeding stock, and recreational animals. Policies include options for theft protection and transportation risks.
Farm Insurance
Farm insurance solutions cover residential dwellings, equipment, and commercial equine operations. We address liability risks from boarding facilities, riding instruction, and horse show hosting while protecting physical assets like barns and riding arenas.
Mortality Coverage
This policy provides financial reimbursement for horse owners in cases of death due to illness, injury, or theft. Coverage extends automatically to include incidents occurring in the continental US and Canada with optional international extensions available.
Major Medical
Major medical coverage reimburses veterinary expenses for unexpected illnesses or injuries. Includes diagnostic testing, surgical procedures, and ongoing treatment costs while helping manage financial risks associated with equine healthcare emergencies.
Surgical Coverage
Surgical endorsement policies cover life-saving procedures and related medical expenses. Includes anesthesia, hospitalization, and diagnostic testing costs associated with emergency surgeries while offering partial reimbursement for supportive treatments.
People
Justin Cowley
President and CEO - Agent
With decades of equine insurance experience, Justin leads our team in delivering specialized coverage solutions while maintaining direct client relationships through personalized service.
Leetta Webb
Business Manager - Farm and Liability Agent
Leetta specializes in agricultural risk management, developing comprehensive farm insurance packages that address both property protection and liability exposures for rural operations.
Gina Miller
Customer Service Specialist
Gina serves as primary client contact for policy administration, ensuring smooth operations and timely resolution of coverage questions or claims documentation.
Debra Harpold
Administrative Assistant
Debra supports our insurance operations with meticulous attention to policy documentation and client communication, maintaining organizational efficiency across all departments.
Questions
What types of equine insurance do you offer?
We provide mortality coverage, major medical protection, and surgical endorsements tailored to horse owners' specific needs across various disciplines.
Do you cover farm operations nationwide?
Yes, while based in West Virginia, we offer customized farm insurance solutions for agricultural operations throughout the United States.
How does the claims process work for emergencies?
Our 24/7 claims service connects you directly with adjusters who guide emergency veterinary care decisions while preserving coverage eligibility.
Can I get coverage for multiple horses?
We create customized packages for individual horses, breeding farms, and commercial operations with flexible options for multiple equine assets.
What farm structures qualify for coverage?
Our policies protect residential dwellings, barns, riding arenas, equipment storage facilities, and specialized equine business structures like boarding facilities.
