Your Solution to
Equine Underinsurance
Tailored coverage that keeps you in the ribbons, not tangled in insurance hurdles.
Meet Your Operative
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What Exactly is Underinsurance?
You’re executing a flawless half-pass, feelings of pride and excellence cascade over you – suddenly your Oldenburger slips on the sand. You think your risk manager has you covered for this peril, but you aren’t. Perhaps it’s not in the policy because your agent just didn’t know enough (or care to research) the specific perils of your equitation. That is underinsurance.
Underinsurance occurs when your coverage doesn’t match the true value of your assets or potential risks.
Real-World Examples of the Underinsured
Don’t just take our word for it. Here are some experiences from fellow equestrians who’ve faced the harsh reality of underinsurance:
“Our stable fire left us devastated—and underinsured. I thought we were protected, but ended up losing valuable assets that weren’t covered in our policy.”
“After theft at our facility, I assumed our equipment was insured. Turns out, it wasn’t—and replacing everything dealt a huge financial blow.”
“My horse needed chronic care for an ulcer condition, but our policy didn’t cover it. I didn’t realize I’d need to cover most of it out-of-pocket.”
These stories underscore a crucial truth
In the equestrian world, being under insured isn’t only a financial risk. It’s an emotional one too.
Leveraging Our Industry Connections
We have personally encountered a troubling trend: equine insurance companies often leave cavernous gaps in their equine policies.
Here at The Equerry, we step in where others either fall short or aren’t present. The Equerry offers coverages which, through the wisdom of personal experience, directly address the needs of elite, discerning equestrians, equine/equine-adjacent businesses and horses. By way of illustration, we protect:
Vaulting competition injuries
Bespoke tack and equipment
Loss of use for competition horses
International travel coverage for equine athletes
Liability protection for trainers and stable managers
Equestrian insurance traditionally has been predominantly one-size-fits-all. The Equerry was explicitly and deliberately created to subvert that ill-advised paradigm.
Your coverage should fit as precisely as your Equiline shadbelly custom-tailored show coat.
The Equerry Edge
We Walk Every Property
From the genesis of The Equerry, our commitment to walking every property we insure has been the bedrock of our approach. Without experiencing you and your specific needs, there can be no understanding of what your insurance binder requires.
Accurate Valuation
Your prized stallion and that Devocoux saddle aren’t just things with numbers attached to them. The Equerry ensures every asset is valued and scheduled for coverage as if it were our own.
Risk Assessment
Our experienced eyes catch what aerial drones (and many agents) miss.
Relationships
Let’s share a cup of Mariage Fréres tea and have a chat. That’s how we do business.
Walking the Walk for Your Equine Family
Initial Consultation
We listen to what you need and what you want. We ask many questions – often difficult ones.
On-Site Visit
Armed with cameras and boots, we tour your property to document the full scope of your equine enterprise.
Risk Evaluation
After we depart, we internally identify potential hazards and perils. Our committees debate coverage and amounts. We have discovered that more eyes make for more accurate and appropriate risk management.
Follow-Up
Your bespoke risk management binder is personally presented. We elaborate and collaborate and iterate based on your feedback. If need be, The Equerry isn’t afraid to push back when we feel that you require coverages which you believe you don’t. Would you trust anyone who always says “Yes” to you? We think not.
Follow Up
We communicate early and often and reassess your property at regular intervals to guarantee your coverage remains up-to-date.
The Equerry Ethos
Our values are staunch.
Client-Centered Service
Your needs always come first – PERIOD.
360° Protection
We offer comprehensive coverage that wraps around every aspect of your equestrian life.
Trust and Reliability
When you need us, we’re there. We promise. In return, we expect you to hold us accountable if we falter. After all, how do we get better if we don’t listen to feedback from our clients?
Ready?
In the Grand Prix of life, bespoke coverage is your ticket to clearing every fence with confidence.
Meet Your Operative