Equine insurance

Helping you protect what really matters

Our Equine team cares about horses as much as you do. We’re embedded in this world because we love it. We’re the official Insurance Partner of the Pony Club, an official partner of Royal Ascot, and our founder David Howden is the founder and president of the Cornbury House Horse Trials.   

Our experience and passion helps financially safeguard your business, without you having to pay over the odds for your premiums.  

Who do we work with?

We’ve helped provide bespoke risk solutions and wide market access to a range of different clients across the equine industry, including:  

• Riding schools 
• Livery yards 
• Freelance instructors 
• Studs 
• Racehorse trainers 
• High net worth private clients 
• Major breeding and racing operations around the world 
• Equestrian associations 
• Fellow brokers (wholesale) 

Our existing clients range in size from small riding schools right the way up to million-dollar global breeding and racing operations.  
 

What do we do? 

Designing a bespoke policy is about selecting the cover you need, while making sure you don’t overpay for cover you don’t.  

Below, you’ll see some of the different types of cover we offer across our equine and bloodstock division:

Employers liability 
Legally required in the UK, employers liability insurance will cover you financially if you need to pay legal fees or compensation to employees that make a claim of negligence against you or your business.   

Public liability 
If a member of the public makes a claim against you, such as an injury they suffer at one of your events, you could be held legally liable. Public liability cover is designed to offer financial protection for legal fees and compensation if this happens.  

Buildings and Contents 
As the name suggests, this cover will help pay for the repair of damage to your various buildings and any contents.

All-risk mortality 
This insurance covers the value of one of your horses in the event of their death due to accident, illness, sickness or disease. 

First Season Infertility
Buying an unproven stallion is a costly investment and not without risk.  If the stallion turns out to be infertile, the value will significantly reduce.  First season infertility insurance protects your financial investment.  

Stallion infertility 
If one of your stallions becomes infertile due to accident, illness, sickness or disease and is no longer able to breed, you may suffer financial losses. Stallion infertility cover is designed to help you.   

Life-saving surgical fees 
If the worst happens and your horse needs to undergo life-saving surgery, this type of cover can help you meet the resulting costs.   

Prospective foal
Unfortunately, failed pregnancies do happen, and again, they can lead to financial losses. Prospective foal insurance is designed to help you mitigate those losses.  

Broodmare barrenness
Typically taken out alongside prospective foal insurance, this can help cover you against losses that arise if your broodmare does not get in foal during the breeding season or does not carry a foal to full term. 

Vet fees 
Vet costs are a part of the equine business, and it’s almost impossible to tell when those costs will hit you. Vet fee cover means that when those surprises hit, you will be protected.   

Loss of use 
What happens if you buy a horse for a specific purpose – and due to a subsequent injury or illness, they're no longer able to meet that purpose? Loss of use insurance will cover you if this situation causes you financial losses.  

Horse owners’ liability 
If an incident occurs and your horse is involved, you may be liable. Horse owners’ liability can help you meet legal expenses and cover any damages.  
 

Don’t worry if you don’t see the specific cover you’re looking for here. It certainly doesn’t mean we can’t help you.   

We’re problem solvers first and foremost.  Please do get in touch. 

Claims that don’t make you jump fences

Our claims process is designed to be as easy and worry-free as possible. To get you to the result you’re looking at with the minimum of worry.   

Our-claims team: 

• Is in-house. They’re a part of our team. No outsourcing or passing your claim direct to the insurer. You’ll know exactly who you need to call on our team when you have to make a claim.  
• Are specialists. Like the rest of our team, our claims team only deals with equine cover. They understand how to present your claim to insurers in a way that can maximise your chances of success.  
• Is always there to help. You shouldn’t feel like you’re making a claim by yourself. Whether it’s guidance on what (and what not) to include in your initial request, or just help chasing your insurer for a pay-out, our claims team is there to help.   

And because we all work together as a single team, you won’t have to worry about being passed around to an ‘external’ department, or having to explain your whole situation from scratch each time you get in touch.  

Our claims team will already know who you are, and they’ll be able to act quickly on your behalf.