Equine Liability and Mortality Insurance

Owning and caring for horses requires both passion and precision. From championship bloodlines to trusted companions, each horse represents a unique blend of emotion, value, and responsibility. At Brown & Brown, our equine specialists provide sophisticated insurance and risk management solutions for discerning owners, competitive riders, and managers.

Our advisors understand that even the most well-trained horse can be unpredictable, and that each aspect of ownership –- training, travel, competition, and care — carries its own exposures.  

Brown & Brown’s equine specialists work with you to design a comprehensive insurance program that includes both equine liability and mortality coverage.

Mortality insurance preserves the financial value of your horses in the event of death or illness. Equine liability insurance is a specialized policy that can protect horse owners, trainers, and facility operators from financial loss due to lawsuits or claims involving third-party bodily injury or property damage caused by horses. Liability coverage also extends protection to your broader exposures and risk areas, providing coverage for injury or property damage that may occur at home, at the stable, in transit, or in competition. Together, these policies form the cornerstone of an equine risk management strategy that helps protect your horses, your investments, and your peace of mind, so you can focus on the lifestyle and joy that comes with horse ownership.

In addition to equine liability insurance, we offer tailored solutions for family farms, ranches, crop farming, and other farm operations to help address unique property, liability, livestock, and equipment risks.