https://completemarkets.com/company/Amwinsunderwriting/Animal-Mortality-Insurance/
Animal Mortality Coverage for Horses - Minimum premium: $250
For the last three decades, Equisure — part of the Amwins Underwriting division — has developed specialty insurance programs for horse and dog owners. From private barns and boarding stables to competitive show operations, Amwins Underwriting provides a focused animal mortality program designed for agents who place equine risks.
Our underwriting team brings deep equine experience and a service-oriented approach. Many underwriters are horse owners themselves, which helps when evaluating risk, explaining coverage options to insureds, and handling complex submissions.
Overview of the Program from Amwins Underwriting
This Animal Mortality Insurance program through Equisure is positioned for agents seeking specialty mortality and related veterinary coverages for horses (including mules and miniature horses). The program combines mortality protection (including theft) with optional major medical, emergency colic surgery, and loss of use coverage where available.
Ideal Accounts and Appetite
Horses, mules and miniature horses used for breeding, showing, pleasure, lessons, or boarding operations.
Private owners, small and mid-size boarding stables, and show barns that need mortality and ancillary veterinary protection.
Accounts where accurate valuation and basic medical histories are available for underwriting review.
Not a fit: horses older than 17 years and any equine valued under $2,500 are ineligible for this program.
Coverage Highlights and Advantages
Mortality coverage (including theft) — primary offering for most accounts.
Major medical/veterinary services — available as an enhancement to mortality where permitted.
Emergency colic surgery coverage — helps manage one of the most significant and costly equine medical events.
Loss of use coverage — optional for qualifying animals to address partial or permanent disablement scenarios.
The program is designed to be straightforward to quote for routine risks while allowing underwriters to consider more complex or higher-value accounts on a case-by-case basis.
Underwriting Notes and Minimum Premiums
Minimum premium: $250.
Eligible animals: horses (including mules and miniature horses). Ineligible: horses older than 17 years and animals valued under $2,500.
Underwriters will review age, use, valuation method, prior medical history, and theft/theft prevention measures on higher-value submissions.
Provide clear valuation documentation and recent veterinary history to reduce turnaround time. The program is administered by Amwins Underwriting as Master Policy Holder and Administrator.
Territories and Availability
Available in: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Please confirm state eligibility and any state-specific requirements at placement.
Why Work With Amwins Underwriting on This Business
Specialty expertise through Equisure with three decades of focused equine programs.
Underwriters who understand the equine market and can evaluate unusual or higher-value risks thoughtfully.
Program administration and claims coordination handled through Amwins Underwriting’s platform, giving agents a single point for placement and servicing.
Example account scenarios
You have a client who owns a 10-year-old show horse (valuation above the $2,500 eligibility minimum) seeking mortality plus emergency colic surgery — this program can provide mortality plus optional major medical layers.
You represent a small boarding stable that needs mortality coverage for resident lesson horses and wants the option to add loss of use on select animals — submit individual schedules with valuations and vet history for review.
Frequently Asked Questions
What types of accounts are a good fit for this program?Private owners, show barns, boarding stables, and similar operations with horses (including mules and miniature horses) that meet the age and valuation eligibility. Accounts should have clear valuation and reasonable veterinary history.
Which horses are not eligible?Horses older than 17 years and any equine valued under $2,500 are ineligible for this program.
What coverages can I quote through Amwins Underwriting’s program?Primary mortality (including theft) is available, with optional major medical/veterinary services, emergency colic surgery, and loss of use where allowed. Availability may vary by state and risk characteristics.
What is the minimum premium and what should I include with a submission?The program minimum premium is $250. Include animal age, use, valuation documentation, and recent veterinary history to help expedite underwriting.
Which states are supported?The program is available in the listed states (see territories above). Confirm state-specific availability at submission because requirements and coverages can vary by state.
Need help placing an account? Connect with a market specialist.