Cover for racehorses and their teams

We support owners, breeders, trainers and agents with specialist bloodstock insurance for every step of a horse’s journey.

When it comes to ownership of bloodstock, we understand the attention to detail required when ensuring the health, safety and success of horses and thoroughbreds. We place a great deal of importance on working closely with you so that we can gain a true understanding of your needs and ensure we provide you with suitable insurance cover and risk management advice.

Our passion and commitment to bloodstock and equine insurance extends across the entire sector—we offer bespoke insurance solutions for racehorses, stallions, mares, yearlings, foals (including prospective foal cover) and studs, as well as elite competition/sports horses. Our product offering includes all risks of mortality and fertility cover, equine-related third-party liability and theft cover, and a range of other specialist covers. We can also provide property insurance quotes, if required, for your stables and outbuildings.

Why choose Gallagher for bloodstock insurance?

Experience — We have many years of experience supporting the equine industry as a specialist broker, providing bloodstock insurance and constructing tailored risk management programmes that help protect against the inherent risks your horse faces during its lifetime. Our specialist team understands the enormous pressure owners, breeders, trainers and agents are under when ensuring the health, welfare and success of horses in care — and the potential for significant loss of income should something go wrong.

Product Diversity — Our established relationship with specialist underwriters means we are able to offer a diverse and comprehensive product mix and bespoke risk management programmes to the entire bloodstock sector. Whether it is from an unforeseen accident that occurs during racing, to the cover needs that come with training, transportation, stallion infertility or unborn foals — our product range means we can structure an insurance programme that meets your requirements.

Integrity — Our relationship with our clients is more than just a broker relationship—just as horse insurance is more than just a form of financial protection. We help bloodstock clients manage the risks they face by providing an insurance programme that is specifically tailored to the horse — placing animal welfare at the heart of insurance cover. We will always aim to achieve cover that is sufficient at a premium that is acceptable to you.

Personal and dedicated service — Our ‘people first’ approach has allowed us to build relationships across the global bloodstock industry. We can provide cover for the specific needs and risk profile of your horse and the dedicated team around them. Our partnership approach to risk management means that we can offer advice and support to help you protect your stock and your business through all the stages of a horse’s life, career and retirement.

If you would like to speak to a specialist at Gallagher about your bloodstock insurance requirements, please contact us.

If you do need to make a claim, you can be confident in our in-house claims team, who will help to ensure the process is as smooth as possible and be there to support you with any questions you may have.

These are brief product descriptions only. Please refer to the policy documentation paying particular attention to the terms and conditions, exclusions, warranties, subjectivities, excesses and any endorsements.

Bloodstock Insurance

  • Specialist underwriting and a diverse product mix
  • Equine-related third-party liability cover
  • Risk management consulting
  • Dedicated bloodstock claims team