Breeding concentrates value in a small number of horses. A stallion that turns up infertile or a broodmare lost at foaling can wipe out a season of planning and the income that came with it.
Horse breeder insurance combines mortality on your breeding stock with cover built for the breeding shed: stallion infertility, unborn and newborn foal options, and liability for outside mares in your care. We match you with agents who write bloodstock.
Where breeding claims come from
- Loss of a broodmare or stallion
- Foaling complications, colic, or an accident take out a horse the program depends on.
- A stallion stops producing
- Injury or illness leaves a stallion unable to breed, and booked fees disappear.
- A foal is lost
- A foal dies before or shortly after birth after a year of stud fees and mare care.
- A visiting mare is hurt
- An outside mare is injured in the breeding shed or in turnout at your farm.
What most breeders carry
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Mortality on breeding stock
Covers the insured value of mares and stallions, with medical and surgical add-ons.
Read about mortality & medical coverage -
Stallion infertility
Pays when a covered stallion becomes unable to breed through injury or illness.
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Unborn and newborn foal cover
Options that cover a foal in utero and through its first weeks.
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Care, custody and control
Covers visiting mares and client horses while they stay on your farm.
Read about equine business coverage -
Farm property and liability
Protects the breeding barn and covers people on the property.
Read about farm & ranch coverage
Good to know before you quote
- Document value
- Stud records, foal sale results, and appraisals support higher insured values for breeding stock.
- Timing matters
- Foal and infertility coverages have windows tied to breeding and foaling dates. Start the conversation early in the season.
- Aging broodmares
- Older mares can still be insured, though terms change. See our older horse page for what to expect.
Wondering what coverage runs? Read the horse insurance cost guide or see how quotes work.
