Karey Louthan-Insurance Agent for Northwest Insurance

06/26/2026

If summer is your busy season with extra seasonal hires, longer hours, more foot traffic, maybe a farm stand or market booth running on top of your usual operation, your risk exposure changes too.

Workers' comp, general liability, and equipment coverage all need to reflect what's actually happening in your business right now, not what it looked like in January.

A lot of small business owners find out the hard way that their policy was written for their quiet season.

Let's make sure yours isn't.

06/23/2026

Colic rates climb in summer heat.
Dehydration, changes in water intake, more time spent in stalls to avoid the sun...it all adds up.

A single colic surgery can run $7,000–$15,000 depending on severity, and most owners are shocked to learn that without Major Medical coverage, that bill lands entirely on them.

If your horse only has mortality coverage, you may be more exposed than you think this time of year.

Let's review what you actually have before peak heat hits.

06/19/2026

Summer is peak season on the ranch; haying, branding, more hired help, more equipment running double-time, maybe even guests stopping by for a farm visit or agritourism event.

Homeowners insurance doesn't cover any of that.
Not your ATVs, not your barns, not your hired hands, not your guest liability.
If your ranch operation has gotten busier this summer than it was when you bought your policy, it's worth a quick review before something happens during your busiest months.

06/17/2026

We're closing out the first half of the year, which makes it a good time to take five minutes and review your equine coverage.

New horse, new use, new boarding situation?

Coverage should evolve with your horse's life, not stay frozen from the day you bought the policy.

With the Fourth of July just around the corner, now's also the time to think through your firework game plan and make sure your barn's safety plan is dialed in before the noise starts.

Send me a message and let's make sure you're set heading into the second half of the year.

06/17/2026

Still true today! Call 📞 me today for a no hassle quote. 303-243-0080

𝘐 𝘥𝘰𝘯’𝘵 𝘴𝘦𝘭𝘭 𝘦𝘲𝘶𝘪𝘯𝘦 𝘪𝘯𝘴𝘶𝘳𝘢𝘯𝘤𝘦 𝘣𝘦𝘤𝘢𝘶𝘴𝘦 𝘐 𝘭𝘰𝘷𝘦 𝘱𝘢𝘱𝘦𝘳𝘸𝘰𝘳𝘬.

I do it because I’ve loaded a horse into a trailer at midnight with shaking hands, wondering if we’d make it in time.

And I’ve walked out of the vet clinic with a miracle—and a massive bill.

I help horse owners prepare for those moments, not fear them.

06/08/2026

🐴 Colic can happen to any horse—regardless of age, breed, management, or supplement program.

Many horse owners spend hundreds of dollars each year on digestive supplements hoping to reduce the risk of colic.

Did you know that $10,000 of colic treatment coverage can often be added for as little as $150 per year? That's less than many horses' annual supplement costs and can provide valuable financial protection when an unexpected colic event occurs.

When faced with a colic emergency, veterinary expenses can quickly climb into the thousands of dollars. Having insurance in place allows you to focus on your horse's care rather than worrying about the cost.

Prevention is important. Protection is priceless.

Message me today to learn how affordable equine colic coverage can be for your horse. ❤️🐴

303-243-0080
[email protected]

06/03/2026

06/02/2026

When I say I know what your horses mean to you, I truly do—because I’m right there with you. Horses aren’t just animals; they’re partners, investments, family, and a way of life.

That’s why, when you’re a client of mine, you’re never just a policy number. I take the time to understand your operation, your goals, and what matters most to you. Whether you’re a trainer, breeder, boarding facility, or horse owner, my commitment is to help protect the horses and business you’ve worked so hard to build.

Because the right coverage starts with someone who understands the horse industry—and cares about it as much as you do.”

Protecting your passion. Protecting your livelihood. Protecting what matters most. 🐴🤝

05/31/2026

Once cattle are on grass and horses are in the pasture, your operation looks completely different than it did in January...and so does your liability exposure.

Animals near roads, more fence line to cover, grazing on leased ground.

It's worth a quick call just to make sure your coverage still matches how you're running things right now.

Call, text, or DM me anytime.

05/30/2026

Bringing on help this summer?
Even part time?
Call me first.

A lot of farm and ranch policies have limitations around seasonal workers that most people don't know about until someone gets hurt.

It's a quick conversation and it's worth having before your crew shows up.

Reach out anytime.