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Bloodstock and Equine Insurance

At WTW, we understand that horses are both a passion and a major investment. We draw on our global resources and expertise to protect their health and wellbeing and financial value, providing tailored solutions to the challenges you face including disease, injury, theft, biosecurity and human error.

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Bloodstock insurance

Along with the joys of owning high value racehorses and competition horses, comes a constant worry about illness and injury, as well as issues such as infertility that can add to financial stress.

Our specialist Bloodstock team provide tailored insurance solutions to give you peace of mind, backed by WTW’s global broking network and sophisticated risk analytics.

What can be insured by bloodstock insurance?

  • All risks mortality cover, no upper limit
  • Theft and unlawful removal
  • Infertility of both mares and stallions
  • Veterinary fees and major medical coverage or emergency surgery costs
  • Loss of use incapacity and infertility
  • Protection of horses in transit
  • Loss of unborn and prospective foals
  • Stallion loss of income
  • Frustration of import or export
  • Stallion unavailability
  • Frozen semen
  • Care custody and control insurance
  • Fall of hammer cover for illness or death immediately after purchase

Benefits of cover

  • Protects both the physical health of the horse and the financial impact of events such as injury, death and infertility.
  • Covers syndicates as well as single owners or company ownership.
  • Pays the agreed value at the time of loss rather than just market value.

Equine insurance

We know that lower value horses can be just as highly prized as thoroughbreds.

Our Equine team can arrange cover for foals, retired horses and companion animals, as well as a wide range of non-competition activities and shows, including pony/riding club activities, showjumping, eventing, dressage and polo.

What can be insured by equine insurance?

  • Mortality cover
  • Loss of your horse by death or straying
  • Hospitalisation and stabling costs
  • Veterinary fees up to £5,000
  • Personal accident cover
  • Liability cover for damage caused by a horse
  • Legal advice if a claim is made against you
  • Loss of use if a horse is ill or injured
  • Disposal following death
  • Loss or theft of saddlery and tack (option)
  • Trailers and horse drawn vehicles (option)

Benefits of cover

  • Gives you peace of mind cover for the health and wellbeing of the horse.
  • Covers costs associated with injury and death and liability for third party damage.
  • You can insure for purchase price, market value or a sum of your choosing.

Working with WTW

Our Bloodstock and Equine team are highly experienced in placing cover tailored to individual needs. We’re part of WTW’s food, beverage and agriculture network, providing a single point of access to global insurance markets and capacity, as well as sophisticated risk analytics to help you quantify and mitigate your risks.

We can provide an indication of premium upon request.

For smarter ways to help manage your risks, please get in touch with the contacts listed at the top of this page.

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