First Equine Insurance Group

02/18/2026

Oh my God. They killed the poor lil' thing! Lol

11/27/2025

🦃🍂 Happy Thanksgiving from First Equine Insurance Group! 🍂🦃
We are grateful for the trust you place in us to help protect what matters most. Wishing you, your families, and your horses a warm, safe, and joyful holiday!

08/08/2025

Are your stable workers really Independent Contractors?
We don’t mean to burst any bubbles on our first Facebook post, but they are not. They are employees. Sorry.

We know, we know, you have been treating them as Independent Contractors for a long time, your friend(s) have also been doing it for a long time, We get it! We are going to talk about the differences in regard to insurance, whatever your accountant says I am not concerned with.

From an insurance standpoint, and from a court’s standpoint, they will determine your worker to be an employee of yours and you are responsible in the event they are injured while working for you. I have said for many years if your employee is injured and it’s minor, probably no problem. But, if your employee is seriously hurt, disabled, or killed while working for you – you will have a big problem unless you have Worker’s Compensation coverage.

We’re not going to solicit you, bug you or chase you to buy Worker’s Compensation insurance – we just want you to know that you will be held accountable by a court for a worker’s injury. A signed Independent Agreement, a 1099 or even paying a worker cash – does not get you off the hook. Even if you are not required by your state’s law to carry Worker’s Compensation – you are still not off the hook!

I realize this is a long post – but well worth reading to help protect yourself. Check out our fact sheet on Employees vs Independent Contractors, and if you have Independent Contractors who work for you, give us a call or visit our website for a personalized coverage review to make sure you are properly covered.

Thanks for trusting us for what matters most.
Lou

07/09/2025