Solutions, From Foal To Stallion
Help protect Broodmares, Stallions, Foals and Yearlings
Overview
Whether your stallion is shuttling between hemispheres, or your broodmare carries the next generation of a proven pedigree, we understand the complexities of equine breeding and ownership. We deliver specialist insurance solutions backed by experience, responsiveness and discretion – protecting your horses, your investment and your reputation with confidence.
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How We Can Help
Breeding is both an art and a science – and a major investment. At Brown & Brown, we provide specialist insurance solutions for broodmares, stallions, foals and yearlings, covering every stage of the breeding and development process. Our dedicated bloodstock team has deep experience across the global breeding industry and understands the risks unique to each category of horse.
We arrange mortality, theft and infertility cover, alongside bespoke protection for foals in utero, youngstock at sales, and stallions working across both hemispheres. For stallions, we can include cover for permanent infertility or first-season sub-fertility, ensuring financial protection if breeding performance is compromised. For broodmares, cover extends to pregnancies and newborn foals, reflecting the real-world value of both mare and progeny.
Our team works closely with leading underwriters, veterinarians and bloodstock agents to ensure every policy is accurate, comprehensive and supported by specialist advice. Whether your horses are based in the UK, Ireland, France, Australia or the USA, we can coordinate cover across multiple jurisdictions.
We understand that claims involving valuable breeding stock require fast, sensitive and informed handling. Our dedicated team manages every detail directly, ensuring decisions are made swiftly and fairly. With our combination of hands on experience and genuine passion for horses, we provide dependable insurance that supports your breeding operation every step of the way.
Solutions at
Every Stage
Let’s Find the Right Fit Together
Every situation is different, and your insurance should reflect that. Let’s connect and talk through options built with you in mind.
Why Choose Us
Comprehensive Solutions
Trusted Advisors
Strong Industry Understanding
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Your Questions, Answered
There is mortality and theft cover for all breeding stock, with specialist extensions for fertility and disability. Stallion infertility insurance protects against the permanent or temporary loss of stud duties, while broodmare cover can include unborn foals from conception through to a set period after birth. Solutions are tailored to reflect individual breeding programmes and bloodlines, ensuring accurate protection for valuable horses. Our dedicated team works with experienced underwriters who understand the equine breeding world, ensuring your insurance responds effectively and efficiently when required.
Yes. Foals can be insured from 24 hours after birth, and cover can extend through to weaning, sale and beyond. Yearlings can be insured while in training or at public auction, with flexible options for buyers and sellers alike. We can also arrange fall-of-hammer and transit cover for horses purchased at major sales such as Tattersalls, Goffs and Arqana. Our team understands the commercial and logistical realities of the sales environment, providing practical, seamless protection before, during and after purchase.
Yes. We can arrange cover for stallions who stand dual seasons in the northern and southern hemispheres. This includes mortality, transit and fertility risks while travelling and during their stay abroad. We work closely with underwriters who understand the complex logistics of international breeding and the importance of continuous cover. Whether your stallion is travelling between the UK and Australia or elsewhere, Brown & Brown ensures uninterrupted, coordinated protection – managed by a team who understands the rhythm of the breeding calendar and the value of each horse’s contribution.
A horse’s insured value is based on market factors including purchase price, progeny record, pedigree and breeding potential. Stallion values may also reflect covering fees and book size, while broodmare valuations often include foaling history and offspring performance. Brown & Brown works with you and your advisors to establish accurate, justifiable values and review them regularly. Our goal is to ensure fair and prompt settlements should a claim arise. With extensive experience across global bloodstock markets, we provide informed guidance that keeps your insurance aligned with real-world values.