Equine Loss of Use Insurance
For when your horse can’t do the job, but still means everything to you.
Meet Your Operative
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Loss of Use Insurance exists to keep that kind of disruption from turning into collapse. If your stallion becomes permanently unable to service mares due to injury, illness, or a reproductive condition, the policy pays out a portion of his insured value. You still have the stallion. You still carry the costs. But you’re not left exposed while you try to rework the season—or the years ahead.
You don’t prepare for loss of use—but you can be ready for it. A tendon injury, a severe illness, a fertility complication—these don’t always end in tragedy, but they can end careers. And when your livelihood, your business model, or your breeding program depends on that horse, the impact is significant.
Equine Loss of Use Insurance helps fill that gap. It gives you room to respond with clarity, not crisis.
When Sound Doesn’t Mean Serviceable
Some horses stay on their feet. They graze. They walk. They even trot around a pasture. But they’re no longer fit for the job. That’s the painful in-between—when the horse is technically alive, but practically retired. Loss of use coverage exists for exactly that moment.
Loss of Use for Breeding Stallions and Broodmares
A breeding horse isn’t just part of the program—it is the program. If a stallion goes infertile, or a mare suffers permanent reproductive injury, the revenue and progress tied to that animal can vanish quickly.
Our Equine Loss of Use coverage provides critical financial support when your stallion or broodmare becomes permanently unable to reproduce. This means that, despite the challenges, you have a safeguard in place to replace the income you would otherwise lose, allowing you to continue focusing on your breeding business.
To Cover Loss of Breeding Potential
We built this coverage specifically for breeders who can’t afford to leave reproductive soundness to chance. Because when things go wrong, it shouldn’t mean starting over.
Your Solution to
Can Help Cover
Our policies are designed to cover a percentage of your horse’s insured value in the event of a qualified permanent disability. This might include:
Catastrophic tendon or ligament injuries
Chronic lameness with no surgical solution
Severe neurological conditions
Reproductive failure (when applicable to policy)
It’s the difference between facing challenges with the confidence of a seasoned competitor, or the trepidation of a green horse in its first outing.
What does Equine Loss of Use Insurance actually cover?
It covers permanent, career-ending injuries or conditions that prevent your horse from performing its insured purpose. This can include injuries, illnesses, or infertility—depending on the policy.
Is this coverage only for high-value sport horses?
Not at all. While many competitive riders and breeders use this policy, it’s available to anyone whose horse plays a meaningful, income-generating role.
Can I get this for breeding stallions or mares?
Yes. Our Loss of Use coverage can be tailored specifically for reproductive soundness and fertility loss, particularly for breeding businesses.
How is a claim evaluated and approved?
Claims are reviewed based on veterinary reports, diagnostic records, and your horse’s use history. Each claim is handled with discretion and transparency.
What types of conditions or injuries typically qualify?
Conditions must be permanent and career-ending. Common examples include severe tendon or ligament injuries, neurological disorders, and reproductive failure.
Can I still keep and care for the horse after the payout?
Yes. In most cases, the horse remains in your care. You’re simply compensated for the financial impact of the loss of its use—not required to relinquish ownership.