To insure or not to insure. That is the question. See Blue Bridle for the answer
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July 24, 2026
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By Staff Writers
If your horse was injured or became ill would you have the finances available to pay the medical bills?
The Mortality policy, or life insurance on the horse, covers death due to accident, illness or disease and includes theft of the animal.
This insurance policy is available on foals as young as 24 hours of age and horses up to age 20.
You can add to the Mortality policy, additional medical options such as Major Medical, Surgical and/or Colic coverage to help defray the cost of necessary veterinarian treatment for your horse.
Eligibility for these options varies depending on the carrier.
Besides protecting your horse, you should think about protecting yourself as a horse owner or your equine operations.
Do you have liability coverage if your horse were to injure someone or cause property damage?
What if your student were hurt in a lesson?
Many private horse owners assume that their homeowner’s insurance will provide liability coverage for their horse.
You risk losing everything if you are confronted with a lawsuit and do not have proper insurance coverage.
The Private Horse Owners Liability policy provides coverage for third party bodily injury and property damage for which you become legally liable for to others resulting from horse ownership.
If you operate an equine business, such as boarding, training or lessons, Commercial Liability insurance is of upmost importance.
Commercial Liability provides third party bodily injury and property damage to others for which you become legally liable for arising from your declared equine activities.
If you board or train horses, you may also want to consider Care, Custody, Control insurance.
This endorsement provides coverage in the event you are legally liable for the death or injury of a non-owned horse in your care, custody, or control.
Insurance can help restore you financially, and for many, is a sound investment.
Blue Bridle Insurance is here to assist with your insurance needs.
Call today to discuss (800-526-1711).