Equine Insurance

Equine and Livestock insurance is a specialised type of policy designed to protect owners and businesses against the financial losses that can occur due to various risks associated with owning and managing horses and other livestock.

This insurance is crucial for farmers, ranchers, and equine professionals who rely on their animals for income, competition, or recreation.

The underwriting process for this type of insurance considers the specific needs and risks related to the care, management, and value of these animals, ensuring tailored coverage that meets the unique demands of the livestock and equine industries.

Equine and Livestock insurance offers a broad range of coverage options to address the risks involved in managing and owning these animals.

Coverage includes:

• Loss of use: protects against financial loss if an animal becomes unable to perform its intended function or job.
• Medical and surgical coverage: covers veterinary expenses for treatments, surgeries, and medications due to illness or injury, including horse colic surgery.
• Mortality insurance: provides coverage in the event of an animal’s death due to illness, injury, or accident.
• Personal liability: protects against legal liability if livestock or equine cause injury to someone or damage to property.
• Theft: offers compensation if an insured animal is stolen.

Deciding on Horse insurance hinges on the horse’s financial value, its use, potential vet costs and liability risks.

High-value horses, those used for competition, breeding, or work, and the potential for expensive medical treatments make Livestock insurance a wise consideration. Liability coverage is also crucial if there’s a risk of injury or damage caused by your horse.

Livestock insurance offers financial protection and peace of mind, balancing the cost of premiums against the risk of significant out-of-pocket expenses.

Consulting with an Equine insurance expert can help you determine the best coverage for your situation, ensuring you’re prepared for unexpected events.

At Canopius, our commitment to fairness and transparency guides our approach to pricing Equine and Livestock insurance.

The cost of your coverage is tailored to your unique needs, factoring in the chosen level of protection, the specifics of your business, and the particular risks you face.

Our competitive pricing is rooted in comprehensive data analysis and deep industry insights, ensuring you receive a value-driven solution.

We collaborate closely with you to develop a tailored plan that aligns with your financial constraints, ensuring you receive the essential coverage without overstepping your budget.

Full Mortality insurance for horses is a comprehensive coverage option designed to protect horse owners from financial loss in the event of their horse’s death due to illness, injury, or accident.

This type of insurance is similar to a Life insurance policy for livestock equine, offering peace of mind that you are financially protected should the unexpected occur.

The underwriting process for Full Mortality insurance takes into account various factors such as the horse’s age, breed, use (eg racing, breeding, or pleasure), and value.

This detailed evaluation ensures that the policy is tailored to the specific risks associated with each individual horse, providing coverage that accurately reflects the horse’s worth and the potential financial impact of its loss.

The cost of Equine insurance is influenced by several factors, including the horse’s age, breed, use (eg racing, breeding, or pleasure), and the level of coverage required.

Other considerations include the location of the horse, the potential risks involved, and the type of policy chosen.

Consulting with horse insurance companies can help assess these factors and offer a tailored quote.

Insuring a horse with pre-existing medical conditions can be more challenging, but it is not impossible. Policies may include exclusions or limitations related to the pre-existing conditions.

Consulting with an experienced horse insurance policy provider can help determine what coverage options are available based on your horse’s health history and specific needs.