Equestrian insurance

Howden has specialist insurance brokers working day-in, day-out on equestrian risk challenges. Our clients include equestrian associations, racecourses, racehorse trainers, stud farms, riding schools, livery yards, freelance instructors, and horse owners. If you have a challenge related to your equestrian business, let us help. Howden is the official insurance partner of The Pony Club.

From the gallops to the show ring - you ride, we protect.


Cover for equestrian businesses

  • Employers' and public liability
  • Group personal accident
  • Damage to stables, buildings, contents and property
  • Loss or damage to equipment
  • Event cancellation


Cover for equestrian associations

  • Group public liability for members
  • Group personal accident for members
  • Directors' and Officers' insurance
  • Group travel
  • Public and employers' liability
  • Event cancellation 


Insurance for bloodstock

  • All risk mortality
  • Stallion infertility
  • Life-saving surgical fees
  • Prospective foal
  • Broodmare barrenness 

Insurance for horses and riders

  • All risk mortality
  • Vets’ fees
  • Loss of use
  • Horse owners' liability
  • Competition and sports horses  


Otium, our Sport, Recreation and Equine Magazine, is available to download here.

Download the flyer here.

Our equine experts are on hand to help

Get in touch

Let's talk...

02039 184 946

We'll put you in touch with the person best equipped to help.

Got a question or query? Give us a few details in the box below and we'll get back to you. 

If horses were predictable, all the bookmakers would go bust

Horses are a financial and emotional investment, which means getting the insurance right is incredibly important.

Two horses stand in stalls in a modern stable building

Catherine Morgan

With years of experience designing products for the equine world, Catherine has a keen interest in all equine matters. As well as advising on every type of insurance cover available for the equestrian market, Catherine and her team can create bespoke products if required.

Catherine Morgan equine broker profile image