Equine Insurance

Breeding Stock Insurance

As with many racehorses, breeding stock is most often insured against death to protect the horse’s capital value.

There are three elements to consider before taking out breeding stock insurance here at Lycetts: foals, mares and stallions.


We are able to insure foals in utero or after birth. Insurance for foals which have not yet been born is known as prospective foal insurance and can be purchased at the same time as the stallion fee is paid (often, but not always 1st October terms), or after purchasing a mare in foal from the sales.


Each prospective foal policy is different, and the cost is based on the last service date of the mare in conjunction with the required length of the policy.


If a foal is not insured ‘in utero’, it can be covered at 48 hours of age provided that it is healthy and has sufficiently high IgG levels.


We understand that your mares are the backbone of your breeding operation, and an often overlooked asset. We do unfortunately come across circumstances every year when we are asked to negotiate claims as a result of mares who have suffered complications whilst or after foaling.


Cover for Barrenness is very specialised and dependent on the mares previous breeding history, but this is a cover we are able to quote for on request.


For colts with stallion potential but who are still in training, we are able to offer cover against infertility which is caused by accident, sickness or disease, in addition to the standard cover for death. This is a very exciting time of a young horses life, when their value can be extremely high but they still remain in training.


When it comes to the stage of selling these colts, often at huge values, the purchaser may wish to take out Stallion First Season Sub Fertility insurance in case the stallion proves to be unviable as a stud animal.


We have insured a number of high profile horses for first season sub fertility, and we have also arranged for some seven figure claims to be paid on several stallions. This can be a complicated process and requires the combination of an equine and insurance expert. Insuring your first season stallion through Lycetts means you are guaranteed this longstanding industry experience.

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Camilla Franklin

Berwick St Leonard

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How to claim breeding stock insurance

If your horse is currently suffering from a life threatening injury, illness or disease, please contact your relevant office by telephone without delay:

Newmarket: 01638 676 700

Marlborough: 01672 512 512


Please note that both of these offices have designated emergency staff who deal with incidents which happen in the evening or at the weekend and an answering machine will direct you accordingly. In particular, we are used to receiving calls concerning life-threatening fractures, colic and horses which are about to be operated on under general anaesthetic.


If your horse has already died, please advise us during working hours at your earliest opportunity and send us the following:


  • A post mortem report.
  • A report from the attending vet.
  • A completed claim form (which we will send to you upon receipt of notification of loss).


For further information about equine liability or property claims, please click here.

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