Stud Insurance

We protect horses from 24hrs old.

Get your insurance right first time

A choice stud can bring in hundreds of thousands of pounds per mate, which they can do up to 200 times a year thanks to veterinary advances.

Stallions at stud are not only valuable, but well travelled and frequently handled, both of which can present a risk that needs to be accounted for in this lucrative business.

  • Care, custody & control extension
  • Legal expenses
  • Cover for inoculation
  • Death caused by accident during transit
  • Cover for private sales
  • Death due to accident, illness and disease
  • Loss of an unborn foal
  • Loss of use following an accident or illness

The unpredictable nature of horses and the working stud farm environment they’re in means that accidents, injuries and damage are commonplace, and only correcting an insurance policy in hindsight can be an expensive error to make.

Shearwater’s in depth knowledge of the equestrian business means that the right equine and livestock protection can be arranged from the outset for those operating in this high-value, yet high risk environment.


Heightened protection

Shearwater Insurance has over 20 years experience in insuring foals, broodmares and top grade stallions for injury, death, theft, straying, disability and subfertility.

Equine and livestock insurance will protect you and your investment against the pitfalls that occur and can help prevent heartache and headache for both you and your clients when breeding horses, such as an unexpected injury while travelling.



Handling other horses

The nature of the horse-breeding business means you’ll often find yourself taking charge of animals belonging to others, in which instance, care custody and control cover within your stud insurance policy can protect you and your employees against claims if anything goes wrong while they’re in your care such as property damage or injury.


  • When the wheels fell off my lorry the Shearwater team were incredible. They called to check up on me, they arranged recovery and when the lorry was deemed a write off I was even given the option of keeping the scrap or not.
    Sarah Skillin, British Dressage Member
  • Shearwater not only provided a much more comprehensive policy but at an incredibly competitive price. Everything was very simple.
    Imogen Murray, International Event Rider (5* & Team GBR Nations Cup)
  • We've insured with Shearwater for a number of years and have always been very impressed with the customer service, claims handling, and competitive pricing. I've now moved all of our business and personal polices to Shearwater
    Simon Bates, Owner & Event Director of The College Equestrian, Keysoe
  • I have found Shearwater to be responsive and flexible in providing me and my company with individually tailored insurance packages to cover exactly what I need, at very competitive prices.
    Simon Hall, Managing Director of Soteria Ltd
  • We have worked with shearwater for many many years now! We use them for everything from our horses to our cars, our yard liability to the home insurance... They are a great company to deal with, both in terms of competitive rates and their customer services. I would highly recommend anyone looking at insurance to get in touch with them
    Becky Moody, Grand Prix Dressage Rider, Team GBR Podium Pathway Member
  • I have insured a few horses with shearwater over the years and have always been very impressed. The team on the phones are super helpful and they have always been great at paying out any claims. I wouldn’t hesitate to recommend their service to any of our Members
    Catherine Mills, Head of Global Retention & Equestrian at Quintessentially
  • What can we say about Shearwater? As an insurer if you want the best cover then you need to be with Shearwater. Their service is second to none and their staff are always friendly, knowledgeable and there to help you, nothing is too much trouble.
    Leanne Hart & Daniel Bates, Para Dressage Rider
  • It is a comfort to know that the horses are Insured with Shearwater. They are a professional but friendly company, competitive and knowledgeable. On the claim we had they were fast and efficient and nothing was too much trouble. Would happily recommend Shearwater Insurance, especially as they have such a vast range of options from everything equine to travel and household.
    Michael Murphy - Irish International Para Dressage Rider
  • Shearwater is our absolute go-to for all of our insurance needs from house, yard and horse, to cars and liabilities. The team in the office are easy to talk to and they actually take the time to get to know you as a client. Most importantly, when you need to claim for something, they are quick and listen to your needs, making the whole process much less stressful in your hour of need. We wouldn't use anyone else!
    Chantal Siddle

Get In Touch Today

For insurance that beats the competition.  Phone us today on 01992 718666 or request a quote online.