Equine & Equestrian insurance
From the gallops to the show ring - you ride, we protect.
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. We are the official insurance partner of The Pony Club.
Cover for equestrian businesses we can arrange:
- 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.
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.

Meet the team

Catherine
Catherine Morgan

Catherine Morgan
Associate Director, Sports, Recreation & Equine
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.