Safeguard Your Horse's Career
Tailored Insurance Solutions for Your Racehorses
Overview
We arrange policies for mortality, theft and veterinary fees, as well as specialised options to suit each horse’s value and purpose. With a dedicated team immersed in the bloodstock and racing world, we deliver an exceptional service, informed advice and prompt support when it matters most. We protect not just your horses, but your investment and your dream of racing success.
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How We Can Help
Owning a racehorse is both a privilege and a passion – and one that carries significant financial commitment. At Brown & Brown, we understand that every horse represents not only a racing prospect but also a major personal and professional investment. Our dedicated bloodstock team arranges bespoke insurance for racehorses at all stages, from yearlings in training to proven performers on the track.
We provide comprehensive solutions for mortality, theft and veterinary fees, as well as extensions for transit, loss-of-use and stallion infertility once a horse retires to stud. Our team are poised to respond quickly, giving you reassurance that your racehorse is protected wherever it races or trains.
We have long-standing relationships with leading underwriters, trainers, and bloodstock agents, enabling us to deliver flexible and structured insurance solutions. Whether your horses are in training in Newmarket, Lambourn or abroad, we ensure consistent cover and professional guidance.
Our team actively follows the sport and understands the nuances of both Flat and National Hunt racing. We work closely with owners and trainers to adapt cover as horses progress through their careers. From the sales ring at Tattersalls to the winning post at Ascot or Cheltenham, Brown & Brown helps to provide tailored solutions built on deep knowledge, integrity and genuine enthusiasm for the sport.
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
Trusted Advisors
Tailored Equine Solutions
Strong Industry Understanding
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Your Questions, Answered
Racehorse owners typically require cover for mortality, theft and veterinary fees, ensuring financial protection in the event of illness, injury or loss. Additional options include loss-of-use, transit and infertility insurance for breeding prospects. At Brown & Brown, we tailor solutions to suit your horse’s value, racing career and ownership structure. Whether you own a single racehorse or manage a large string, our experienced team ensures your insurance provides comprehensive and responsive protection. We understand the fast-moving nature of racing and pride ourselves on delivering clarity, efficiency and support whenever your cover needs to change or a claim arises.
Yes. Racehorse insurance can include international transit and overseas racing cover, ensuring protection wherever your horse competes or trains. This includes major events, international race meetings and training bases across Europe and beyond. Policies can be structured to respond to the unique demands of international competition, providing continuity of cover and claims support throughout. Our team has extensive experience arranging global equine insurance and works with trusted underwriters to ensure seamless protection. Whether racing in Dubai, France or Australia, you can rely on Brown & Brown to safeguard your horses at every stage of their journey.
A racehorse’s insured value is typically based on its purchase price, pedigree, performance record and market potential. For young or unproven horses, this may be adjusted as their career progresses. Brown & Brown’s team works closely with owners, trainers and bloodstock agents to assess appropriate values and recommend flexible cover that reflects both current market conditions and future potential. This ensures you are neither under- nor over-insured and that claims can be settled fairly and swiftly. Our deep understanding of the racing industry enables us to provide realistic, accurate valuations that evolve alongside your horse’s success.
Absolutely. Brown & Brown arranges insurance for syndicates, partnerships and shared ownership groups, ensuring all parties are clearly protected. Policies can be structured to reflect individual ownership percentages and tailored to the group’s specific requirements. We work with syndicate managers and racing administrators to ensure documentation and claims handling are straightforward and transparent. Whether your involvement is through a small partnership or a major ownership syndicate, our team provides specialist guidance, responsive service and flexible solutions. With Brown & Brown, you can enjoy the thrill of ownership knowing that every aspect of your horse’s insurance is in safe, experienced hands.