Equine & Livestock US – Mortality Equine

Liberty’s experienced underwriting team provides Mortality insurance for a wide range of Equine risks on a global basis, from the top performing racers and Olympic horses through to foals, yearlings, breeding stallions and mares.

We look to work with horse owners that have a proven track record of successfully and safely training and caring for their horses. We work with agents/brokers across the United States, offering coverage to a range of clients from private, single horse owners to large multinational farm operations.


We concentrate on providing insurance solutions for the following:

Preferred Equine Disciplines

  • Dressage
  • Hunters
  • Jumpers
  • Racing
  • Show
  • Western

Preferred Breeds

  • Arabians
  • Morgans
  • Saddlebreds
  • Standardbreds
  • Thoroughbreds
  • Quarterhorses
  • Warmbloods


Insurance coverage can protect you and your business from the financial loss associated with risk as a horse owner. There are many different types of insurance to consider when looking to protect your assets, and that is why Liberty Mutual is here to help you choose from our flexible options to customise the protection against risk and loss of your animals.

All Risks of Mortality – covers the animal for death or humane destruction due to accident, sickness, illness or disease, for all risks not specifically excluded under the policy.

Specified Perils – covers the animal for death or humane destruction due to specific covered perils as listed under the policy.

Optional Coverage Extensions include:

  • Stallion Infertility
  • Medical/Surgical
  • Emergency Colic Surgery
  • Limited Permanent Disability
  • Prospective Foal/Barrenness
  • Theft
  • Transit
  • Agreed Value
  • Twelve Month Extension


Our Equine Mortality products are available in all states except Alaska and Washington (pending).