EQUINE INSURANCE
Our team of experienced equine underwriters can offer you expert guidance on equine insurance. Whether you are caring for your cherished horse as a pet or as part of your business, we offer tailored insurance to suit your needs.
Cover is available nationwide in the UK and across the globe, with protection for a wide range of risks.
What we do
Our Horse Insurance policies cover a diverse range of risks for your horses, including:
- Care Custody and Control
- Conception and Fetus Cover
- Employers’ Liability
- Infertility
- Loss of Income Protection
- Medical/Surgery Costs
- Mortality
- Public Liability
- Horse vet insurance to cover unforeseen veterinary expenses
Where we offer cover
- Australia
- Canada*
- Europe*
- Hong Kong
- New Zealand
- UK*
- USA
*As of 1st January 2024, our Equine Liability products are available in the UK, Republic of Ireland and Canada only.
Our target markets
For Equine Mortality products
Breeders, carers or owners of:
- Arabians
- Quarterhorses
- Sporthorses
- Standardbreds
- Thoroughbreds
For Equine Liability products
- Competition Yards
- Equine Assisted Therapy/Learning Centres
- Freelance Grooms
- Freelance Riding Instructors
- Livery Yards
- Private Yards
- Racehorse Owners’ and Syndicates’ Personal Public Liability
- Racehorse Trainers
- Riding Schools
- Stud Farms (Thoroughbred and Non-Thoroughbred)
What sets us apart
Swift decision-making
We pride ourselves on our quick turnarounds – you will benefit from direct contact with decision-makers, allowing for swift resolutions.
Passion for the industry
We are passionate about the equine and livestock industry and are dedicated to building long-term partnerships with our clients.
Expertise in complex risks
We have the experience and expertise necessary to navigate complex insurance risks and develop tailored solutions.
Market-leading claims service
We have a market-leading in-house claims team, ensuring that our clients receive a prompt and efficient service when they need it most.
Our capacity
Equine Mortality: up to USD 5m any one Horse
Employers’ Liability: up to GBP 10m (UK) / EUR 13m (Republic of Ireland)
Public Liability: up to GBP 5m (UK) / EUR 6.5m (Republic of Ireland) / CAD 5m (Canada)
Contact us
Speak to one of our specialist underwriters – select from the regions below
FAQs
What is Equine & Livestock Insurance?
Equine and Livestock Insurance is a specialist type of policy. It’s designed to cover owners and businesses against financial losses that can occur due to various risks associated with owning and managing horses and other livestock.
This horse insurance policy is essential for farmers, ranchers and equine professionals who rely on their animals for income, competition or recreation.
The underwriting process for this type of insurance takes into account the specific needs and risks of the care, management, and value of these animals. This helps us to provide tailored coverage that meets the unique demands of the livestock and equine industries.
What does Equine & Livestock Insurance cover?
Equine and Livestock Insurance covers a wide range of risks involved in managing and owning these animals.
Cover includes:
- Mortality Insurance: covers an animal’s death due to illness, injury or accident.
- Medical and Surgical Coverage: covers veterinary expenses for treatments, surgeries and medications due to illness or injury, including horse colic surgery.
- Loss of Use: protects against financial loss if an animal becomes unable to perform its intended function or job.
- Theft: covers if an insured animal is stolen.
- Personal Liability: covers legal liability if livestock or equine cause injury to someone or damage to property.
Do you need Equine Insurance?
Deciding on Equine Insurance depends on the horse’s value, its use, potential vet costs and liability risks.
High-value horses, those used for competition, breeding or work and potential vet costs make Livestock Insurance a wise consideration. Liability Cover is also important if there’s a risk of injury or damage caused by your horse.
Livestock Insurance provides financial protection and peace of mind, balancing the cost of premiums against the risk of big out-of-pocket expenses. Talking to an Equine Insurance expert will help you determine the best cover for your situation, so you’re prepared for the unexpected.
Is horse insurance expensive?
At Canopius, we believe in fairness and transparency in our pricing of Equine and Livestock Insurance.
Your premium is bespoke to your needs, taking into account the level of cover you want, your business and the risks you face.
Our competitive pricing is based on data analysis and industry insight, so you get a value-for-money solution.
We work closely with you to develop a plan that fits your budget so you get the coverage you need without going over budget.
What is Full Mortality for horses?
Full Mortality for horses is a comprehensive cover option that protects horse owners against financial loss if their horse dies due to illness, injury or accident.
This is similar to Life Insurance for livestock equine, giving you peace of mind that you’re financially protected if the unexpected happens.
The underwriting process for Full Mortality takes into account various factors such as the horse’s age, breed, use (eg racing, breeding, or pleasure), and value.
This detailed assessment means the policy is tailored to the specific risks of each individual horse, so the cover is priced accurately to the horse’s worth and the financial impact of its loss.
What affects the cost of Equine Insurance?
The cost of Equine Insurance is influenced by the horse’s age, breed, use (eg racing, breeding, or pleasure), and the level of cover required. Other factors include the location of the horse, the risks involved and the type of policy. Talking to equine insurance companies will help you assess these factors and get a quote.
Can I insure a horse with pre-existing medical conditions?
Insuring a horse with pre-existing medical conditions can be more challenging but not impossible. Policies may have exclusions or limitations on pre-existing conditions.
Talking to an experienced horse insurance provider will help you determine what cover options are available based on your horse’s health history and needs.
Do equine insurance policies cover vet bills?
Vet fees are included in horse insurance to help with the cost of medical care for injuries, illnesses and surgeries. Check your policy to see if routine care, emergency treatment or specific procedures like colic surgery are covered.
