Specialized Insurance for Horse Owners and Equine Professionals
Owning or managing a horse operation comes with serious responsibility. Whether you’re running a boarding stable, offering riding lessons, breeding warmbloods, or traveling for shows, equestrian insurance provides critical protection for your horses, your clients, and your reputation.
Our coverage options are tailored for Canada’s equine professionals—custom-built policies with the flexibility your operation demands.
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Equestrian Insurance Coverage Options
Equine Mortality & Major Medical
Protects against the financial loss of a horse due to death, injury, surgery, or medical emergency.
Care, Custody & Control (CCC)
Liability for horses that are boarded, trained, or transported but not owned by you.
Horse Transport Insurance
Covers your trailer, tack, and equine cargo during local or long-distance travel.
Stable & Facility Coverage
Covers barns, arenas, fencing, tack rooms, and business contents from fire, storm, theft, or vandalism.
Instructor & Trainer Liability
Protects riding coaches and clinicians in case of student injury or property damage during lessons or events.
Event Liability & Cancellation
One-time or seasonal protection for horse shows, clinics, and competitions.
We Aren’t Horsing Around
Our team includes former riders and barn operators who understand equine risk. We partner with niche insurers to offer specialized underwriting, high limits, and fast claims service. Whether you’re insuring a champion hunter, therapeutic program, or private facility, our solutions scale to meet your needs.
Frequently Asked Questions: Equestrian Insurance
Equine mortality insurance covers the full insured value of a horse in the event of death from accident, illness, or humane euthanasia. Optional endorsements can include theft and emergency colic surgery.
Yes, CCC is essential if you house or train horses that aren’t owned by you. It protects against legal claims for injury, illness, or death of client horses while in your care.
Absolutely. Even part-time instructors need liability coverage to protect against accidents, student injuries, or damage to property.
Yes. We offer add-on or stand-alone event coverage that extends your liability protections while attending or hosting equestrian events.
Yes. Mortality and medical policies can include multiple horses, each with individually declared values and coverage limits.
We’ll customize a bundled policy that covers both sides of your operation—stable facilities, breeding liability, foal coverage, and reproductive services.
Not automatically. We offer optional endorsements for tack, saddles, trailers, and barn equipment with full replacement cost or agreed value.
Some regulations and rating criteria vary by province, especially for commercial operations. We’ll match your policy to provincial requirements.
Yes. Event cancellation policies can reimburse lost income or sunk costs if a clinic or competition is canceled due to weather, venue issues, or other covered events.
Coverage is usually active within 24–48 hours after application and underwriting approval. Emergency situations can sometimes be expedited.
Talk to an Equestrian Insurance Advisor
Whether you’re a first-time horse owner or managing a large show barn, we’ll help you build the right coverage. Speak with a licensed advisor today.
