Horse mortality

All risk mortality and theft is a comprehensive policy that reimburses the horse owner for the death, theft and humane destruction of a covered horse. Our policies are agreed value, and we offer full mortality and theft, or specified perils coverage.

Specified perils coverage (also known as "Named Perils" or "Restricted Perils") covers a horse for death, theft or humane destruction caused by specified perils listed in the policy, including but not limited to fire, lightning, earthquakes, electrocution, drowning, transit risks and attack by wild animals. It is important to note a specified perils policy does not cover your horse for death due to illness or disease.

Coverage highlights

  • 24 hours/7 days a week claims service
  • No vet certificate required for horses valued under $50,000 and with no pre-existing health conditions.
  • Medical/Surgical and surgical only plans
  • Emergency colic surgery expense ($2,500 limit) added at no additional charge with additional buy up options
  • Private horse owner liability coverage can be added for an additional charge
  • 90-day extension clause
  • Guaranteed renewal coverage added at no additional charge
  • Optional coverages for an additional premium (link to:
Please contact a Markel representative for large scheduled policies with deductibles, as well as, additional equine coverages, such as:
  • Transit
  • Prospective foal
  • Stallion infertility
  • Limited permanent disability

Mortality insurance forms
Email completed forms to or fax to 804-527-7999. 

Racing industry risks
Click here to learn more about our insurance options for Thoroughbreds, Standardbreds, and Quarter Horses reared, trained, and bred for racing.