Insurance is available in the continental United States, and internationally in Australia and South Africa.

Farm Owners coverage, insuring the property and liability needs of horse breeding and training operations was first provided in 1998 and is currently available in Florida, Kentucky, Illinois, Indiana, and Virginia.

As a specialty lines carrier the company also provides crop insurance in selected areas.

Frank was an experienced ranch manager, cattle buyer, and importer-exporter of cattle. Through the Harding and Harding Agency, Frank and his father, F.W. Harding, were partners in both the import-export business and insurance of livestock through Lloyds of London, with whom they held the first general livestock contract.

Clinton was raised and worked on his family’s ranch. He exhibited show herds that included grand champion steers, and was Director and Executive Secretary of the American Shorthorn Breeders Association. Clint judged many international livestock shows.

Frank and Clint met each other for the first time at the ages of 10 and 12 while competing in cattle shows.

The story goes that after borrowing $280,000 from a local bank, with no collateral, American Live Stock Insurance Company was formed. Frank and Clint combed the countryside looking for agents to represent the Company. Today the Company enjoys surplus of more than $45,000,000.

Insurance for registered cattle was the primary focus in the early days. During the late 1970’s, as values increased and interest in owning registered horses grew, American Live Stock increased its presence in the horse industry as well.

Over the years, the company has insured several Kentucky Derby winners, many prized bulls and valuable zoo animals.