Insurance Products

Not all equine insurance is created equally.  As with every type of insurance, the devil is in the detail.  While the price of coverage is an important component of choosing the right insurance company, nothing is more important than understanding exactly what you are purchasing and how you will be treated in the event of a loss.

Our agents and our staff can help guide you through the maze of coverage options and the important differences in key insurance provisions.  We believe our products provide the broadest coverage available on the market, and we’ll be happy to help you select the best protection for your horse(s).

A summary of our primary coverage options are listed below.  By clicking on “More” you can obtain greater detail about some of the products.

  • Horse Mortality – also sometimes referred to as “Full Mortality” or “All Risks Mortality,” this policy reimburses you the Agreed Value in the event your horse dies, is stolen, develops severe ataxia (loss of coordination) or is humanely destroyed (if a veterinarian determines your horse should be euthanized for humane reasons as defined in the policy) .  More …  
     
  • Specified Perils – reimburses you the Agreed Value if your horse dies from causes that are specifically listed in the policy, such as lighting, fire, windstorms, floods, explosions, etc.  The policy is more restricted than a Full Mortality policy.  It does not include coverage for illnesses and accidents that are the most frequent causes of horse deaths.
     
  • Major Medical – essentially health insurance for your horse, this “endorsement” (basically an “amendment”) to the Full Mortality policy reimburses you up to $10,000 for fees associated with surgery or medical expenses.  More …
     
  • Loss of Use – there are two Loss of Use endorsements which can supplement the Full Mortality policy.
    • Full Loss of Use - reimburses you with 75% of the Agreed Value in the event your horse becomes permanently incapable of fulfilling its intended use or function because of accident, illness or disease.
    • External Injury Loss of Use – similar to the Full Loss of Use endorsement, except the cause of the loss must be from an injury that is sudden, external, accidental and violent. More …
     
  • Mare Fertility/Reproduction – there are two primary types of coverage related to a mare’s inability to produce a foal.
    • Prospective Foal Policy – reimburses you if a mare, after 42 days gestation, fails to produce a live foal (for any reason not excluded) or if the foal dies in the first 24 hours after birth.  More …
     
  • Stallion Sub-fertility/Infertility – there are two primary types of coverage related to stallion fertility.
    • First Season Infertility (“FSI”) – this policy reimburses you the Agreed Value when a stallion in his first breeding season is unable to achieve a satisfactory conception rate (usually 60%) from his booked mares.  If you are considering this coverage for your stallion, please call us prior to the stallion’s first breeding season to discuss your options and how the coverage operates.
    • Accident, Sickness or Disease (“ASD”) – this endorsement to a Full Mortality or FSI policy reimburses you the Agreed Value when a stallion or stallion prospect becomes permanently and totally impotent, infertile or incapable of breeding due to an accident, sickness or disease suffered during the policy period.  More … 

We also offer a number of other coverage options that are tailored to unique situations including, but not limited to, Horse Owner’s Liability, Overseas Transit Coverage, Frustration of Import and Loss of Stallion Income.

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