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Equine Coverages

Protecting your investment is the primary purpose for equine insurance.  Representing only “A” rated companies and carriers allows us to obtain the best coverage at the most competitive rates and to design an insurance plan that best suits your individual needs.

FULL MORTALITY             

Full Mortality is the most comprehensive coverage written.  This policy provides coverage against death caused directly or indirectly by an accident, illness, or disease.  Policies are written on an annual basis and the rate for this coverage is determined by the breed, age, use, sex, and value of the individual horse.  A horse must be deemed sound and healthy for its intended use at the time of the policy’s inception.

A  Deductible option may be preferable for owners of large schedules of horses (usually 20 or more) for a lower premium.

  • AIR TRANSIT/EXTENDED TERRITORIAL LIMITS – Mortality coverage may be extended to include international transportation to and from other approved countries with prior notification.
  • MAJOR MEDICAL – This coverage can be endorsed to a mortality policy and reimburses reasonable and customary non-surgical therapeutic veterinary treatments due to an accident, illness or disease, as well as non-elective surgical procedures.  Pre-existing conditions, elective surgery, alternative treatments, regular maintenance, joint injections, or corrective shoeing are not covered.

    This endorsement is dependent on the animal’s medical history.  Limits are available from $5,000 to $15,000 and have an applicable deductible per occurrence.  This coverage is only available for show and sport horses, weanlings, and breeding stock.  Coverage is subject to all terms, conditions, and exclusions of the policy.

            Horses 90 days to 20 years of age are eligible for this coverage.  Race horses are excluded from this   

  • EMERGENCY SURGICAL - This coverage can be endorsed to a mortality policy and reimburses reasonable and customary cost of veterinarian fees associated with emergency operations, post-operative costs, and third party emergency transportation needed to save the life of the animal.  Policy limit is available for $5,000.  Horses 6 months to 18 years of age are eligible for this coverage.
  • STALLION INFERTILITY FOR ACCIDENT, SICKNESS, & DISEASE – This coverage can be endorsed to a mortality policy and will protect a stallion or stallion prospect against any accident, sickness, or disease incurred during the policy term, which could cause permanent infertility, impotency, or the inability to cover a mare.

  • LOSS OF USE – This coverage can be endorsed to a mortality policy and reimburses a portion of the animal’s value, in the event your horse sustains an accident, illness, or lameness, which renders the horse totally and permanently disabled, but does not require destruction for humane reasons.  This coverage may only be selected in addition to Major Medical.  Coverage is dependent on the animal’s medical history.
  • LOSS OF INCOME – This coverage can be endorsed to a mortality policy.  It is designed to insure the stud fee income of a stallion that is shuttling to and from the Southern Hemisphere.  The policy would respond should the stallion be unable to pass import or export regulations/customs/quarantine.  Policy limits are based on the stallion’s stud fee income.


Restricted Perils coverage protects against death caused by fire, lightning, or transportation.  Depending on the company chosen, additional Specified Perils can be added such as: explosion, windstorm, earthquake, flood, accidental drowning, accidental electrocution, attack by wild dogs, or building collapse.  Theft coverage is available for an additional premium.


When purchasing a horse at public auction, or claiming a horse off the racetrack, a phone call to our office is all that is necessary to arrange Fall-of-the-Hammer or automatic claiming coverage.  Some policies in force may already include an automatic additions coverage which requires notification to our office within a specified time period after purchase.


Barrenness coverage insures that a mare will be pronounced in foal.  To save money, many breeders opt to purchase a “No Guarantee” stallion nomination rather than a “Live Foal Guarantee” season.  The mare owner is at risk of losing the total value of the season unless a Barrenness/Prospective Foal policy is obtained.  This coverage insures that the mare conceives and carries the foal full term to a pre-determined length of time after birth, (i.e. 24 hours, 7 to 45 days, or 1 year).  Stallion Availability coverage insures against the intended stallion becoming unavailable to service the mare due to accident, sickness, disease, or death, per the terms and conditions of the policy.


For less premium expense, a Prospective Foal policy may be obtained separately from a Barrenness policy effective 42 days, or later, after conception, to insure the birth of a single live foal.  Prospective Foal coverage is often obtained when buying a mare from public auction.


This coverage insures a newly retired stallion is able to impregnate a certain percentage of approved mares bred the first year at stud.  The percentage used is usually 60% of the mares that fit into certain age and reproductive guidelines.  This policy can be manuscripted to coincide with the stallion syndicate agreement requirements.



Nicholson Insurance Agency | 1001 Monarch Street, Suite 100 | Lexington, KY 40513 | 859.224.7080                                                   Powered by Insurance Website Builder
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