Protecting the horse — and the business built around it.

Republic Insurance Group delivers specialized insurance solutions for individual horses and equine-based businesses across rural and small-town America—combining equine expertise with real-world risk management.

Individual horse coverage and herd programs
Care, custody & control structured correctly
Equine-literate claims advocacy

EQUINE INSURANCE

Coverage Focused on Your Equine Parnter

Individual horse coverage — structured correctly

Equine insurance begins with the animal, its value, and its intended use. We help owners protect horses used for ranch work, performance, breeding, sport, and recreation.

Equine Mortality Insurance

Coverage for death due to illness, injury, or accident
Full mortality and limited mortality options
Values aligned to purchase price, training investment, or appraisal
Coverage for individual horses or scheduled groups

Loss of Use Insurance

Protection when a horse can no longer perform its intended function
Applicable to performance, breeding, or working horses
Structured carefully to match discipline and use

Equine Medical & Surgical Coverage

Colic surgery and major medical options
Emergency veterinary expenses
Optional endorsements based on age and use
Designed to reduce out-of-pocket exposure

Stallion, Broodmare & Breeding Coverage

Stallion infertility and breeding risks
In-utero and foal considerations
Broodmare mortality and reproductive exposure

Transit & Transportation Coverage

Mortality and injury during transport
Coverage for owned and non-owned trailers
Domestic and interstate movement

Common Equine Profiles We Insure

• Ranch, stock, and working cow horses
• Hunter / Jumper, Equitation, and Show Hunters
• Reining, Cutting, and Working Cow Horse
• Rodeo and timed-event horses
• Race horses
• Breeding stallions, broodmares, and young prospects
• Show, competition, and event horses across disciplines
• Youth, lesson, and recreational horses

Horse coverage is not one-size-fits-all. Age, use, value, discipline, and mortality exposure all matter—and policy structure matters just as much as premium.

EQUIBUSINESS INSURANCE

Coverage for the Operation, Land & Liability

When horses become a business

If you board, train, instruct, breed, host events, or allow public access, your exposure extends far beyond the horse itself.

Equine General Liability

Premises liability for clients and visitors
Operations liability tied to equine activities
Spectator and participant exposure
Landowner liability considerations

Care, Custody & Control (CCC)

Horses boarded, trained, or handled for others
Injury, illness, or death while in your care
Limits structured around number and value of horses
Clear separation from general liability

Equine Professional Liability (E&O)

Trainers, instructors, clinicians, and coaches
Allegations of negligence or improper instruction
Coverage aligned to discipline and activity

Property & Facility Coverage

Barns, arenas, stalls, and sheds
Tack rooms, equipment, and supplies
Fencing, gates, and land improvements
Dwelling and ranch structures (where applicable)
Loss of income / business interruption

Commercial Auto & Trailer Coverage

Ranch trucks and service vehicles
Horse trailers and transport exposure
Hired and non-owned auto coverage

Workers’ Compensation

Barn staff, grooms, trainers, ranch hands
Proper equine labor classification
Employer liability coordination

Umbrella & Excess Liability

Additional protection for high-exposure operations
Often critical for lessons, youth programs, and events

Types of Equine & Equibusiness Operations We Serve

Boarding and training facilities
Breeding and stallion operations
Working ranch horse programs
Rodeo and stock-horse trainers
Lesson barns and youth programs
Equine events, clinics, and exhibitions
Horse property owners and lessors
Mixed-use ranches with equine exposure

Frequently Asked Questions

1) Can I insure just the horse without the business?
Yes. Individual equine policies can stand alone.

2) Does general liability cover horses in my care?
Typically no. Care, custody & control coverage is usually required.

3) Do trainers need professional liability?
Often yes, especially when instruction or paid training is involved.

4) Are horse trailers automatically covered?
Not always. Trailer ownership and use must be reviewed.

5) How often should equine insurance be reviewed?
Annually, or anytime use, value, or operations change.

An equine-literate, business-minded approach

We understand both sides of equine risk: the horse as an asset and the operation as a business.

Our approach:

Horse-by-horse review – value, use, age, discipline
Operational mapping – boarding, training, events, public access
Coverage coordination – mortality, CCC, liability, and property aligned
Claims advocacy – hands-on support when horses or reputations are at risk

What equine clients value most:

Advisors who understand horses and contracts
Coverage that holds up under real claims
Straight answers without insurance jargon

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