One thing you do need to consider as a responsible horse owner is that there are a number of risks associated with horse ownership. This includes risk relating to the horse, to you, to equipment such as your horse trailer, and even to others who may be injured or sustain damage to their property as the result of a run in with your horse.
Our team has experience in designing products for the equine and has a keen interest in all equine matters. As well as advising on every type of insurance cover available for the equine market, the team can create bespoke products if required.
BLOODSTOCK
For valuable bloodstock risks cover can be arranged for All Risks of Mortality, Stallion Infertility, Mare Barrenness and Prospective Foal insurance.
HORSE AND PONY
From the family hack to the riding club horse, insurance cover is available for All Risks of Mortality, Veterinary Fees, Loss of Use, Personal Liability and Saddlery and tack.
COMPETITION AND SPORTS HORSES
The life of a high value competition horse can be very different to that of a family horse. Insurance cover needs to reflect this. Comprehensive cover is available for All Risks of Mortality, Veterinary Fees, Loss of Use and Stallion Infertility. All designed to help cushion the impact of losses on these high value animals.
CANCELLATION AND ABANDONMENT
Anything from adverse weather to an outbreak of a communicable disease can cause the cancellation or postponement of even the best-organized events. Cost incurred and profit lost can amount to significant sums of money, vital to an event organizer’s annual budget. We can arrange insurance to cover the losses incurred when an event has to be cancelled.
ALL RISKS OF PHYSICAL LOSS OR DAMAGE TO EQUIPMENT
Despite everyone’s best efforts, equipment can go missing or be damaged at equine events. We can place cover for damage to, or theft of, these important, and sometimes costly, items.
LIABILITY
Liability cover is increasingly necessary and can protect you against paying damages for personal injury or property damage suffered by an employee or a third party. A comprehensive equine cover for equine associations, commercial and personal risks, has been designed for Employers’ and Public Liability and can include liability for property in your care, custody and control.
EQUINE ESTABLISHMENT BUILDINGS, CONTENTS AND OTHER PROPERTY
We have package insurances for riding schools, private livery stables, studs and racing yards, which include cover for Buildings, Contents, Business Interruption, Cash, Saddlery and Tack, Jumps and Farm Machinery.
PERSONAL ACCIDENT
Many people working in the equine sector are self-employed. Our Personal Accident policies help protect you against the financial consequences of injuries such as Temporary Total Disablement, Permanent Total Disablement and Loss of Limbs or Eyes. Cover may also be extended to include dental treatment and other accident related expenses
INFORMATION REQUIREMENTS
- Declaration of health
- Completed proposal form
- Detail of transits
- Detail of veterinary facilities
