Equine insurance covers horse mortality, major medical, loss of use, and equine-business liability. Carriers, MGAs, and TPAs writing equine need a platform that handles named-animal schedules, vet-certificate workflow, and care-custody-control liability.
Equine insurance is the family of coverages written on horses and equine operations. The core product is horse mortality insurance — a named-peril or all-risk life policy on the animal — usually paired with major medical / surgical for veterinary expense and optional loss-of-use coverage when injury renders the horse unable to perform its insured discipline. Equine operations (boarding stables, trainers, riding schools, breeding farms) also buy equine-business liability with care, custody, or control endorsements.
This page is a line-of-business reference for equine carriers, MGAs, TPAs, and program administrators evaluating a policy administration platform for horse mortality, major medical, and equine-liability programs.
A typical equine policy schedules each insured horse by name with breed, age, sex, registration number, use (pleasure, show, racing, breeding), and insured value supported by a vet certificate or recent purchase invoice. Mortality pays insured value on death or humane destruction. Major medical / surgical reimburses veterinary expense up to a sublimit. Loss-of-use pays a percentage of insured value when the horse is permanently unable to perform its insured discipline.
The platform has to model named-animal schedules with itemized values, multiple coverage parts per horse, and discipline-specific loss-of-use rating on a single policy record.
Equine mortality underwriting is driven by a current veterinary certificate of health, the horse's discipline and use, age, breed, registration, and recent purchase price or appraisal supporting insured value. High-value horses (broodmares, stallions, racehorses, show horses) require additional vet exams and may require breeding-soundness evaluations.
Mercury's configurable underwriting workflow supports vet-certificate intake through document imaging with NLP, age-and-discipline-driven rating tables, value-substantiation rules, and referral routing for high-value or substandard risks.
Boarding stables, trainers, and riding schools need equine-business liability for premises and operations exposure plus a care, custody, or control (CCC) endorsement that covers the operator's legal liability for injury to or death of horses in their care — an exposure carved out of standard CGL.
Mercury supports configurable CCC endorsement schedules, equine-class underwriting rules, and equine-activity-statute waivers driven by venue state through the policy lifecycle.
Mortality claims start with notice of illness or injury, attending-vet documentation, and (in most states) a humane-destruction provision requiring two-vet certification or carrier consent. Major-medical claims require itemized vet invoices, treatment notes, and pre-authorization for elective procedures.
Mercury's claims administration supports configurable equine intake workflows, vet-document imaging with NLP, two-vet humane-destruction approval routing, and panel-vet rosters with rate enforcement.
Does Mercury schedule horses by name with multiple coverage parts on a single policy?
Yes. Mercury's product configuration supports named-animal schedules with itemized insured values, multiple coverage parts per horse (mortality, major medical, surgical, loss of use), and discipline-specific rating on a single policy record.
Can Mercury enforce vet-certificate and insurable-value documentation in equine underwriting?
Yes. Mercury's configurable underwriting workflow and document imaging with NLP support vet-certificate intake, value-substantiation rules, and referral routing for high-value or substandard equine risks.
Does Mercury support care, custody, or control endorsements for equine-business liability?
Yes. Mercury's configurable forms library supports equine-business liability with care, custody, or control endorsements and equine-activity-statute waivers, with date-driven applicability through the policy lifecycle.
