Horses are a significant financial and emotional investment, and the costs associated with their care, training, and competition can be substantial. However, the risks involved in the equestrian world are equally significant. Injuries, illnesses, accidents, and even theft can result in devastating losses.

Equine insurance provides a safety net, protecting you against these risks. For breeders, it means safeguarding the future of their bloodlines. For riders, it offers coverage for liability and competition-related incidents. For trainers, it ensures business continuity in the face of unexpected setbacks.

Owning a horse is a big responsibility, and it’s important to make sure that your equine friend is protected with the right insurance coverage.

Types of Equine Insurance

The equine industry is diverse, and so are its insurance needs. Whether you’re a breeder, rider, or trainer, there’s no one-size-fits-all solution when it comes to protecting your horses and your operations. Each type of equine insurance addresses specific risks, from medical emergencies to liability claims. Knowing the key types of coverage available is essential for building a comprehensive insurance plan that fits your unique needs.

Some of the most common types of equine insurance include:

Mortality Insurance

Equine mortality insurance is similar to life insurance for horses. It covers the loss of a horse due to death from illness, injury, or accidents. Some policies may also include theft. Mortality insurance is essential for high-value horses, whether they’re prized breeding stock, competitive athletes, or beloved companions.

Major Medical and Surgical Coverage

Veterinary care for horses can be incredibly costly, especially in emergencies or for specialized procedures. Major medical and surgical insurance helps cover these expenses, from diagnostic tests and medications to surgery and post-operative care.

Loss of Use Insurance

For horses with a specific purpose—such as competition, breeding, or work—loss of use insurance provides compensation if the horse becomes permanently unable to perform its intended role due to illness or injury. This coverage ensures that you’re financially protected even if your horse’s career is unexpectedly cut short.

Liability Insurance

Horses, despite their elegance and training, can be unpredictable. Liability insurance protects owners, riders, and trainers against third-party claims for property damage or bodily injury caused by a horse. This is especially important for trainers who work with clients and for riders who compete or train in public venues.

Care, Custody, and Control (CCC) Insurance

Trainers and breeders often handle horses owned by others. CCC insurance provides protection if a horse under your care is injured, lost, or dies, ensuring that you’re not held personally liable for the financial loss.

Farm and Property Insurance

For breeders and trainers operating facilities, farm and property insurance protects against risks such as fire, theft, and weather-related damage to barns, equipment, and other assets critical to your operation.

Tailoring Coverage for Breeders, Riders, and Trainers

Equine Insurance for Breeders

Breeders invest heavily in the health and genetics of their horses. Mortality insurance is a must for high-value breeding stock, while major medical coverage ensures access to top-notch veterinary care for foals and mares. Loss of use insurance can also provide financial protection if a stallion or mare is rendered unfit for breeding.

Farm and property insurance is equally critical, as breeding operations often involve significant infrastructure. From barns to specialized equipment, ensuring that your property is covered can save you from costly setbacks.

Equine Insurance for Riders

For riders, especially those competing professionally, liability and major medical insurance are key. Liability insurance protects against accidents involving spectators, property, or other competitors.

Loss of use insurance can also be invaluable, particularly for riders whose careers depend on a horse’s competitive performance. Whether you’re a showjumper, dressage competitor, or eventer, the right coverage ensures that you’re prepared for the unexpected.

Equine Insurance for Trainers

Trainers often work with multiple horses, some of which may not be their own. Care, custody, and control insurance is essential for protecting against financial liability for horses in your care. Liability insurance is also critical, as trainers face risks associated with accidents during lessons, clinics, or training sessions.

Farm and property insurance can provide additional peace of mind, covering facilities and equipment that are essential to your operation. Additionally, loss of use and major medical insurance for personal or client-owned horses can further safeguard your livelihood.

Finding an Equine Insurance Agent

Don’t leave your equine pursuits to chance. Partner with an experienced insurance provider who is experienced in equine insurance. By taking the time to understand your insurance options and find a policy that meets your needs, you can help to ensure that your horse is well-protected.

Interested in learning more about equine insurance?

If you want to learn more about equine insurance, please contact Tooher-Ferraris Insurance Group. We are a leading provider of tailored insurance solutions and can help you find the right policy for your needs.

Learn more about our Equine Insurance practice here.