Horses in a stable

Equine and livestock

Protection for delicate investments

Covering the most complex and delicate of investments — horses, cattle, exotic animals, and more — our equine and livestock team is passionately dedicated to its work.

Our real-world experience means quality protection for your operation’s horses and livestock. Offering a comprehensive range of products for the equine and livestock industry, we provide not just tailored coverage, but dependable advice from our seasoned professionals.

Solution for complex risks

  • Equine mortality insurance

    Our experienced underwriting team provides mortality insurance for a wide range of Equine risks on a global basis, from the top performing racers and Olympic horses through to foals, yearlings, breeding stallions and mares. We look to work with horse owners that have a proven track record of successfully and safely training and caring for their horses. We work with agents/brokers on a worldwide basis, offering coverage to a range of clients from private, single horse owners to large multinational farm operations.

    Preferred appetite

    • Arabian
    • Dressage
    • Hunters and jumpers
    • Morgans
    • Saddlebreds
    • Standardbreds
    • Thoroughbreds
    • Western

    Coverages

    • Mortality
    • Stallion infertility
    • Medical/surgical
    • Emergency colic surgery
    • Limited permanent disability
    • Prospective foal/barrenness
    • Theft
    • Transit
    • Agreed value endorsement
    • Twelve month extension

    Specialist lines

    • Equine Mortality
    • Equine Liability
    • Frozen semen and frozen embryos

    Line size

    Up to $6 million or equivalent

  • U.S. livestock and exotic mortality insurance

    Our specialist knowledge of this varied and sometimes complex market helps to guide our clients through the various options available when they are considering risk management solutions.

    Preferred appetite

    • Purebred registered cattle
    • Exotic animals
    • Animals in transit
    • Private collections
    • Zoo animals
    • Animals in the entertainment industry
    •  Service animals
    • Police/guard
    • Search & rescue
    • Medical assistance

    Coverages

    • Mortality
    • Stallion infertility
    • Medical/surgical
    • Emergency colic surgery
    • Limited permanent disability
    • Prospective foal/barrenness
    • Theft
    • Transit
    • Agreed value endorsement
    • Twelve month extension

    Specialist lines

    • Mortality
    • Frozen semen & frozen embryos

    Line size

    Up to $6 million or equivalent

  • U.S. equine farm insurance

    Insurance coverage could protect you and your business from the financial loss associated with risk as a horse owner or operator. There are many different types of insurance coverages to consider when looking to protect your assets – that’s why we’re here to help you choose from our flexible options to customize the protection against risk as a horse owner or operator.

    Appetite

    We concentrate on providing insurance solutions for the following Equine Farm operations on a package policy:

    Preferred equine farm operations

    • Boarding, breeding, racing or training operations
    • Riding instruction
    • Trainers
    • Farriers
    • Equine day camps
    • Hobby farm with horses

    Equine farm operations – undesirable

    • Public trail rides
    • Agritainment
    • Event centers
    • Rescue operations
    • Non-certified therapeutic operations
    • Commercial horse transit operations

    Coverages

    We can add the following to our equine farm liability product to make a package policy:

    Equine farm property

    • Dwellings (owner, secondary, employee)
    • Equipment (scheduled or blanket)
    • Barns, outbuildings and other farm structures
    • Optional property
    • Scheduled personal property (jewelry, fine arts, firearms, etc.)
    • Disruption of farming operations
    • Identity fraud expense coverage
    • Equipment breakdown protection
    • Inflation guard (barns)
    • Orchard and vineyard property coverage
    • Pollutant clean up and removal
    • Enhancements (dwelling and operations)

    Equine farm umbrella

    Protection can start at $1 million and is available in $1 million increments up to $10 million. We also can offer limits over $10 million – contact us for additional options.

    Automobile

    We can provide coverage for farm trucks, horse trailers and personal automobiles with a single policy.  Coverages are available based on state laws: liability, comprehensive, collision, uninsured motorist, underinsured motorist, medical payments, personal injury protection, hired, non-owned, towing, and rental.

    Territories

    Our equine farm products are available in all states except Alaska, Florida, Hawaii and Montana (pending).

  • U.S. equine liability insurance

    Insurance coverage can protect you and your business from the financial loss associated with risk as a horse owner or operator. There are many different types of insurance to consider when looking to protect your assets ꟷ that’s why we’re here to help you choose from our flexible options to customize your protection against risk as a horse owner or operator.

    Appetite

    We concentrate on providing insurance solutions for the following Equine Liability exposures on a monoline or package policy:

    Private horse owner (PHO)

    This is an individual that owns a horse(s) for personal use or show use only.

    Activities outside of personal use are a commercial use and should be referred to the Equine Operations Liability.

    Equine operations liability (EOL) ꟷ preferred

    • Private horse owners
    • Boarding, breeding, racing or training operations
    • Riding instruction
    • Trainers
    • Farriers
    • Hobby farm with horses

    Equine operations liability (EOL) ꟷ undesirable

    • Public trail rides
    • Agritainment
    • Rescue operations
    • Non-certified therapeutic operations

    Coverages

    • Private horse owner (PHO)
    • Race horse owner (RHO)
    • Equine farm liability
    • Personal liability
    • Recreational vehicle liability
    • Farrier liability
    • Equine day camps
    • Clinics
    • Worldwide coverage territory
    • Care, custody, or control

    Territories

    Our equine liability products are available in all states except Alaska, Hawaii, and Montana (pending).


Get in touch

Photo of John Egan

John Egan

Underwriting Manager
Photo of Terri Sible

Terri Sible

Underwriting Specialist

Chicago

Photo of Julian Bowen-Rees

Julian Bowen-Rees

Global Head of Equine and Livestock

This website is intended to be informational. Descriptions are provided only as a summary outline of the products and services available and are not intended to be comprehensive and do not constitute an offer to sell or a solicitation. The products and services described may not be available in all states or jurisdictions. See your policy, service contract, or program documentation for actual terms, conditions, and exclusions. Any inquiries regarding the subject matter set forth herein should be directed through licensed insurance professionals.

Coverage and insurance are provided and underwritten by Liberty Mutual Insurance Company or its affiliates or subsidiaries. When we offer insurance products, we will state clearly which insurer will underwrite the policy. Some policies may be placed with a surplus lines insurer. Surplus lines insurers generally do not participate in state guaranty funds and coverage may only be obtained through duly licensed surplus lines brokers.