Who insures equine (horse mortality, farms, boarding)?
Equine (horse mortality, farms, boarding) is a risk most standard carriers decline on sight. The markets below say in their own published appetite or program pages that they write it; each line links to that page with the date it was read.
5 markets publicly write equine (horse mortality, farms, boarding): Great American Insurance Group - Equine Mortality division, Markel Specialty - Commercial Equine Liability / Horse Farm package, The Hartford - Livestock & Animal Mortality, Travelers Agribusiness, Sadler Insurance (division of Specialty Program Group). 4 admitted carriers, 1 program administrator. 1 on admitted paper.
By Sam Alishahi, independent insurance broker
Who says they write it
From each market's own appetite, product or program page (or a trade article quoting it), read on the date shown. Appetites change: the linked page controls. A market listed here isn't necessarily one this agency is appointed with; a licensed broker reaches most of them directly or through a wholesaler.
| Market | What they say they write | Where | Paper | Source |
|---|---|---|---|---|
| Great American Insurance Group - Equine Mortality division Admitted carrier | Equine mortality (full mortality) with optional major medical, surgical and other endorsements; all breeds and disciplines including racing, showing, cutting, dressage, hunter/jumper, driving, reining, saddle seat, pleasure “We are one of the world's leading providers of equine mortality insurance and related coverages.” | not stated | not stated | greatamericaninsurancegroup.com · read 2026-10-28 |
| Markel Specialty - Commercial Equine Liability / Horse Farm package Admitted carrier | Commercial equine liability for boarding, breeding, training, riding instruction and other horse businesses on owned or rented premises; care, custody and control endorsement; horse farm package (home, barns, equipment, horses); horse mortality; excess liability over Markel primary. Equine mortality and farm property are listed among Markel's admitted lines “Markel's commercial equine liability policy is specifically designed for almost any type of horse-related business including:” | not stated (coverage applies on and off premises in the U.S. and U.S. territories) | Admitted | markel.com · read 2026-10-28 |
| The Hartford - Livestock & Animal Mortality Admitted carrier | Equine animal mortality (death from covered accident, injury, sickness or disease) for horses on premises or in transit; also cattle, hogs, poultry, hatcheries, police and service dogs, bucking bulls, show/breeding cattle and swine “Since 1916, The Hartford has offered specialized livestock, equine and animal mortality insurance” | not stated | not stated | thehartford.com · read 2026-10-28 |
| Travelers Agribusiness Admitted carrier | Horse farms listed among eligible agribusiness operations (with family farms and ranches, estate farms, vineyards, wineries, growers) “Horse farms” | not stated | not stated | travelers.com · read 2026-10-28 |
| Sadler Insurance (division of Specialty Program Group) Program administrator | General liability for horse stables and riding academies (boarding client horses, leasing horses, riding lessons, training, therapeutic riding, shows); signed rider waivers expected “Affordable General Liability Insurance for your Stable/Riding Academy.” | not stated (page: 'There are stables in all parts of the country') | not stated | sadlersports.com · read 2026-10-28 |
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