Equine Insurance


Our team of experienced 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 Equine 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

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

  • We pride ourselves on our quick turnarounds – you will benefit from direct contact with decision-makers, allowing for swift resolutions
  • We are passionate about the equine and livestock industry and are dedicated to building long-term partnerships with our clients
  • We have the experience and expertise necessary to navigate complex insurance risks and develop tailored solutions
  • 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)

Speak to one of our specialist underwriters – select from the regions below


What is Equine & Livestock 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.

What does Equine & Livestock Insurance cover?
Equine and Livestock Insurance offers a broad range of coverage options to address the risks involved in managing and owning these animals.

Coverage includes:

  • Mortality Insurance: Provides coverage in the event of 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.
  • Loss of Use: Protects against financial loss if an animal becomes unable to perform its intended function or job.
  • Theft: Offers compensation if an insured animal is stolen.
  • Personal Liability: Protects against legal liability if livestock or equine cause injury to someone or damage to property.

Do you need Horse Insurance?
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.

Is it expensive to insure horses?
At Canopius, our commitment to fairness and transparency guides our approach to pricing Equine Insurance & 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.

What is Full Mortality Insurance for horses?
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.