Whether you own one horse or a stable full of horses, your passion and commitment to them should be equaled by the insurance carrier you’ve chosen to protect them. At HDI, we understand that every equine operation is different, which is why our team of specialists is made up of long-standing members of the equine community that have the necessary knowledge in managing your unique interests. Our experts will work with you to fully understand your risks and exposures and are fully committed in designing an equine insurance program to protect your most valued investment.

Why Choose us?

With over 54 years of combined industry experience, we pride ourselves on providing only the highest level of service and attention to detail, ensuring a positive customer experience from beginning to end.

  • Prompt and efficient turnaround time for all inquiries, policy submissions and productions, and quote requests.
  • Competitive rates and coverage options on industry leading products.
  • 24/7 claims submission process and prompt claim turnaround time.
  • Knowledgeable and experienced staff who are actively immersed in the equine industry.
  • State of the art agent and insured portals utilizing the newest technologies for mobile access, ensuring excellent communication and faster response times.


Our appetite:
We offer multiple insurance options on a variety of bloodstock and equine risks, including:

  • Stallions, Broodmares, Yearlings and Foals
  • Racehorses
  • Sport Horses, Performance Horses and Show Horses
  • Pleasure Horses

Our Equine Mortality policy is a comprehensive coverage that covers loss due to death, authorized humane euthanasia or theft. We also offer a variety of coverage endorsements, which can be tailored to suit your specific needs.

Coverage Endorsements:

  • Major Medical
  • Emergency Colic Surgery
  • Prospective Foal
  • Loss of Use
  • Life Saving Surgery
  • Transit
  • Stallion Coverage, including:
    • Stallion Permanent Disability
    • Loss of Income
    • Stallion Availability
    • First Season Infertility
    • Frustration of Import / Export

Underwriting Expertise

At HDI, we are not only experienced underwriters but also industry professionals who have bred, raised, trained, shown, and raced an assortment of breeds across multiple disciplines. Each policy request and submission is viewed independently by one of our passionate and experienced staff members. We understand the business because we live it.

Claims Management

HDI has staffed its equine claim department with individuals who possess a high degree of equine knowledge, technical expertise, claim handling skills, and compassion. We understand that the claims process is the proof of the product purchased by the client and each claim is approached with the aim to reach a timely and fair resolution. Through our collaborative and consultative approach, our staff operates to make the claim process as effortless as possible.