Equine mortality cover
Death of a named horse from accident, illness or disease, with values and veterinary history assessed at underwriting.
Horse Stud And Equine Insurance
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Horse Stud And Equine Insurance
Cover for studs, agistment, spelling and equine businesses.
Horses concentrate value into individual animals in a way other livestock rarely does. One stallion, broodmare or performance horse can be worth more than all the plant on the property, and the exposures follow the animal: colic surgery, a paddock injury, transit to a sale, or a visitor kicked in the stable block. Mortality and liability sit side by side here.
What is it?
The Australian equine sector runs thoroughbred and standardbred studs concentrated in the Hunter Valley and central Victoria, alongside sport horse, stock horse and pony operations, agistment and spelling farms, riding schools and pre-training yards. Facilities usually include stables, barns, foaling boxes, arenas, horse walkers, round yards and extensive post-and-rail fencing, each carrying its own property and liability exposure.
What does horse stud and equine insurance cover?
Breeding and stallion covers
Options such as loss of use, infertility and prospective foal cover for breeding operations.
Liability and horses in care
Injury to visitors, riders and staff, plus liability for horses in your care, custody and control.
What affects the cost?
- Horse values and numbers on site
- Use: breeding, racing, riding school
- Age and veterinary history
- Facilities and fencing type
- Public access and rider activity
Worth raising on the call
- Horses agisted or spelling on your property are generally not covered by your own mortality section.
- Care, custody and control liability for other people's horses is a specific extension worth confirming.
- Mortality cover usually requires an agreed value and a current veterinary certificate above certain amounts.
Claims we are commonly asked about
Broodmare lost to colic
A mare colics overnight and is euthanased on veterinary advice after surgery is declined or does not succeed. Mortality cover generally responds where the cause falls within the policy and the veterinary process was followed, including any requirement to notify the insurer before euthanasia.
Agisted horse injured on fencing
A horse spelling on your property for another owner is badly injured on post and rail fencing and cannot return to work. Your own mortality section generally covers horses you own, so liability for horses in your care, custody and control becomes the relevant question.
Visitor kicked in the barn aisle
A visitor walking behind a tied horse in the stable block is kicked and taken to hospital. Liability commonly responds to injury to visitors, subject to the policy terms and to which activities were declared to the insurer.
Worth confirming in the wording
- Worth confirming whether horses agisted, spelling or in pre-training for other owners are addressed under a care, custody and control extension, since your own mortality section generally covers only horses you own.
- Worth confirming what veterinary notification and consent steps the policy requires before euthanasia, as these are commonly conditions that affect a mortality claim.
- Worth confirming how riding lessons, trail rides, breaking and public riding activity are treated under the liability section, since these are usually rated separately.
Common questions
Does equine mortality insurance cover death from illness?
Many policies extend to death from accident, illness and disease, subject to the horse's age, use, veterinary history and any exclusions applied at underwriting. Pre-existing conditions are commonly limited or written out for a period. A current veterinary certificate is often required above certain values.
How is a horse's insured value decided?
Usually as an agreed value supported by purchase price, service fees, race or competition record and veterinary assessment, rather than on owner opinion alone. High-value stallions and broodmares generally need supporting documentation at underwriting. Values are worth revisiting as a horse's career or breeding record changes.
Do I need insurance to agist or spell other people's horses?
It is not a legal requirement, but taking horses in for a fee creates care, custody and control exposure that a standard farm liability section may not address. Agistment agreements should state who insures the horse and who makes veterinary decisions in an emergency. Most commercial agistment and spelling operations arrange this specifically.
What does horse stud and equine insurance cost?
It depends on horse values and numbers on site, whether the operation is breeding, racing, agistment or a riding school, age and veterinary history, facilities and fencing type, and how much public access and rider activity there is. Mortality and liability are usually priced as separate components rather than one figure.
General information only. Cover, limits and exclusions depend on the PDS, TMD, eligibility, underwriting and the policy terms. See farm insurance for the wider picture.
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