The Insurance Company with Horse Sense

Mary Phelps
A Markel Equine Insurance Specialist

Optional Equine Insurace Coverages

Air Transit
Coverage is available for horses up to 30 days while awaiting transit/air transit to the USA and to extend Mortality coverage to include new territorial limits. Full details of the facility and information on who has care, custody and control are required. Contact our office for more information.

Limited Permanent Disability (Loss of Use)
Provides coverage in an amount of 60% of the sum insured if the horse becomes totally and permanently disabled as the result of a sudden, accidental, and external injury, and can no longer be used for the use indicated in the policy. Available for Dressage, Hunters, Jumpers, Western Pleasure, Hunter Under Saddle, and Reining horses.Horses must have an insured value of $10,000 or greater.  Not available for leased horses. Contact our office for more information.

Stallion Infertility
This endorsement provides coverage in the event your stallion becomes totally and permanently impotent, infertile or incapable of serving mares due to an accident, illness, or disease. Markel allows you to retain your horse should we pay a claim. Written documentation confirming the horse has been castrated/gelded, and/or breed registration papers/certifications and related documents, are required. This coverage will give you the right to not only retain ownership but return your horse to competition if you wish.  A current satisfactory veterinary certificate is always required when purchasing this coverage with reference to stallions genitalia being satisfactory for breeding, and an additional premium will be payable. Contact our office for more information.

Prospective Foal Coverage
This endorsement covers failure of the prospective foal to be born alive or death of the prospective foal after its birth but prior to the expiration date of coverage. This coverage can only attach at a minimum of 42 days after last service by the stallion; a manual veterinary examination is required on the mare to confirm in foal status and sound health of mare, and ultrasound results must be provided (taken between 30-60 days after last service) providing no evidence of twins.

Specified Perils 

Also known as "Named Perils" or "Restricted Perils"; this covers your horse for death, theft or humane destruction caused by specified perils listed in the policy, including but not limited to; fire and lightning, earthquakes, electrocution, drowning, transit risks and attack by wild animals. It is important to note that this policy does not cover your horse for death due to illness or disease, and it thus offered at a lower price than full or all risk insurance. This coverage is offered on all horses from 24 hours to 25 years of age and no health documents are required to purchase this insurance. 

Questions? No problem


For the personal attention you deserve contact Mary Phelps office.
Tracey Scharf 800-572-3286  FL Office
Mary Phelps cell/text 859-940-8517

We are available on the scene, on the road, on the net, and in the office to answer your questions, help you with your applications, and be your direct connection to our Markel Underwriters. We work hard at this process so you don't have to. The application process does not have to be a daunting task. We are here to make it easy, so you can spend time with your horses and clients.


Contact our office for more information.