Women-Owned and Ran Agency Continues to Rule the World of Equine Insurance

Savannah Freeze Equine Insurance Agency was founded in 2021 by a 22-year-old wife and mother of two. Now, in 2024, the agency has grown significantly, with nine additional agents and $1.9 million in premiums written in 2023.

Photo by KIESE&CO LLC

When 22-year-old Savannah Freeze was in search of a way to help support her family and still stay at home with her two children under the age of 2, opening her equine insurance agency all but fell into her lap. She knew that being in this field would help keep her connected to an industry she loved dearly while still being able to make a good living. With the right connections and use of an already established book of business, Savannah Freeze Equine Insurance was born.

“When I started Savannah Freeze Equine Insurance, I never envisioned creating a team of agents, but this is God’s plan, not mine. My vision for women in the Western industry is one of empowerment, diversity, and economic growth.”

For a while, the agency was a one-woman show, but today, it boasts 10 female agents, including Freeze, from five different states. These relationships were all formed organically and not through the traditional hiring process, and the agency has a motto of “You can work as much or as little as you want. This job is here to make your life better and fit into your schedule.” 

No agent will ever be penalized for not writing enough policies, and the goal of the agency is to provide a place where women can balance their entrepreneurial goals and aspirations while also being mothers, wives, students, cowgirls and role models. 

Savannah Freeze, owner of Savannah Freeze Equine Insurance Agency / Photo by KIESE&CO LLC

With 370% growth from 2022 to 2023, the agency continues to grow and write more business each year. Having access to 43 states and multiple top-rated carriers allows each agent to custom-fit each policy to the horse and owner's needs to ensure they are getting the best coverage for the price. 

The process of acquiring Equine Insurance can be intimidating, and most tend to think it is a lengthy process requiring extensive documentation. Freeze says that couldn’t be farther from the truth. On more occasions than not, policies can be issued with as little as a completed application and certificate of health. 

“If you are deciding whether or not to get insurance on your horses the biggest thing to keep in mind is, if you can’t afford to replace your horse right now, then you need to have insurance.”

Equine insurance is a small price to pay if something catastrophic happens to your horses. Policies start as low as $200 per year and not only cover your equine partner in the event of mortality but also can cover vet expenses if you choose to add that on. 

Whether you haul up and down the road every weekend or rarely go anywhere at all, horses are proven to be very unpredictable, and no one likes to wish they had insurance after the fact. No one can predict the future, but you can prepare for the unexpected. 

For more information on equine insurance, reach out to any one of Savannah Freeze Equine Insurance Agents and receive a free no-obligation quote, which is custom-fit for you and your equine partner's needs. 

Savannah Freeze — Owner — Texas

Facebook: Savannah Freeze Equine Insurance
E-mail: sfreeze@krs.insure

Bailey Newsome — Agent — Texas

Facebook: Bailey Newsome — Equine Insurance Agent
E-mail: bnewsome@krs.insure

Colby Walhert — Agent — Montana/ Texas

Facebook: Colby Walhert Equine Insurance
E-mail: cwalhert@krs.insure

Kaitlyn Woodman — Agent — Texas

Facebook: Kaitlyn Woodman — Equine Insurance Specialist
E-mail: kwoodman@krs.insure

Haylee Moutlon — Agent — Idaho

Facebook: Haylee Moulton Equine Insurance
E-mail: hmoulton@krs.insure

Kaylee Peck — Agent — Idaho

Facebook: Kaylee Peck Equine Insurance
E-mail: kpeck@krs.insure

Tiffany Solomon — Agent — Oklahoma

Facebook: Heirloom Equine Insurance
E-mail: tsolomon@krs.insure

Sierra Schueneman — Agent — Texas

Facebook: Sierra Schueneman Equine Insurance
E-mail: sschueneman@krs.insure

Elizabeth Grudzinski — Agent — Illinois

Facebook: Elizabeth Grudzinski Equine Insurance
E-mail: egrudzinski@krs.insure

Kelly Donnelly — Agent — Texas

Facebook: Kelly Donnelly Insurance Services
E-mail: kdonnelly@krs.insure