Horse People Insuring Horse People
Equine is a true specialty line — only a handful of carriers underwrite it well, and policy language varies more than almost any other coverage we write. We know which markets pay colic surgery claims without a fight, which understand loss-of-use on a campaign horse, and which will actually quote a stallion at stud. That experience is the difference between a policy that pays and one that doesn't.
Core Equine Coverages
Full Mortality
Pays the insured value if your horse dies from accident, illness, injury, or humane destruction.
Major Medical & Surgical
Reimburses veterinary expenses for colic surgery, lameness diagnostics, hospitalization, and emergency care.
Loss of Use
Indemnifies you when an injury permanently ends your horse's intended career — show, racing, or breeding.
Equine Liability
Personal horse-owner liability for damage or injury your horse causes to others, on or off your property.
Care, Custody & Control
Coverage for trainers, boarding stables, and lesson barns responsible for horses owned by others.
Transit & Trailer
Coverage for horses while being transported, plus the trailer itself — including for-hire haulers.
Stables, Breeders & Equine Businesses
Specialty packages built around the horses in your care, not generic farm policies bolted onto equine.
Boarding & Training Stables
CCC, commercial GL, equine professional liability, and barn property all bundled into a farm package.
Breeding Operations
Stallion infertility, prospective foal, broodmare barrenness, and stud-fee return endorsements.
Show Barns & Competitors
Show-season transit, off-premise stabling, and named-event coverage for high-value campaign horses.
Equine Professionals
Trainers, instructors, vets, and farriers — E&O and professional liability written through specialty markets.
Every Discipline, Every Licensed State
From backyard pleasure horses to international competition strings — across all 26 states we're licensed in.
How Your Horse's Value Is Established
Underwriters require documented value before they'll bind mortality coverage. We help you assemble the file before quote so there's no friction at claim time.
Licensed in 26 States
We write equine coverage in every state we're licensed in — including transit, off-premise stabling, and out-of-state show coverage.