Horse Insurance - Equestrian World Protection
Equestrian World Protection Background

Equestrian World Protection

INSURANCE

OUR OPERATIONAL METHOD

We forge and maintain a professional relationship with our Clients following these steps:

PHASE 1

ANALYSIS OF RISKS AND OF THE EXISTING INSURANCE PORTFOLIO

Along with the Client and, if necessary, with the support of external risk managers, pre-assessment companies, experts and specialised lawyers, we perform a detailed analysis of the company's typical activities to identify existing areas of risk.

To this end we prepare a report of the insurance policies in being, with special reference to the individual clauses and the economic aspect of each.

PHASE 2

DEFINITION AND IMPLEMENTATION OF THE INSURANCE PROGRAMME
  • Definition of an insurance programme whose aim is to optimise the level of cover of each policy, in both legal and economic terms, through cooperation with leading Italian and foreign insurance companies.
  • Analysis, assessment and decision, in agreement with the client, on the ways in which the proposed insurance cover should be implemented.
  • Management of insurance contracts and of any claims, even if not settled.
  • Periodic preparation of summary reports on the status of the insurance portfolio.
  • Constant monitoring of the insurance contracts. We update these contracts so that their content remains pertinent over time, based on the evolution of the activities insured, as the risks increase or decrease and as law provisions change.

PHASE 3

CLAIMS MANAGEMENT

The occurrence of a claim and its management through to its settlement is the moment when the efficacy and efficiency of the insurance solutions chosen are validated.

Such is the importance of this stage that we have set up an office to manage it, with a lawyer and specialised personnel who deal every day with the relationships between the client and lawyers, adjusters and experts involved in the damages compensation process.

OUR INSURANCE COVERAGE

In a world where security is increasingly important, we offer customized insurance solutions to protect what you care about most.

Let's make a comparison between the most well-known insurance companies to guarantee you the best conditions on the market. Our experience in the equestrian sector allows us to analyze and compare the available offers, always offering you the most advantageous and complete solution.

Below are some of the covers we can carry out, designed specifically for the equestrian world and to meet the needs of riders, owners and facilities.

HORSES INSURANCE

We insure equines, from their conception, without value limits and regardless of their use.

We offer specific insurance for your horses which mainly covers the CASE OF DEATH DUE TO INJURY and/or ILLNESS, with extension to cases of VANDAL ACT, ACCIDENTAL POISONING and KILLING FOR HUMANITARIAN REASONS, in many countries, both during the journey and during the stay in these States.

This service is aimed at all categories of horses:

  • Horse racing competition
  • Riding outfit
  • Trot
  • Gallop
  • Obstacle races
  • Endurance
  • Dressage
All age groups
  • Foal foals
  • Foals yearlings
  • Competition horses
  • Stallions and mares

Warranty extensions are also offered to the basic policy, for a limited premium authorization from the Company, which guarantee the Customer even more specific and complete coverage.

The insurance guarantee is extended to the case of death of the insured horse following surgical interventions even under total anesthesia, including cases in which they are not necessary to safeguard the life of the horse.

The insurance guarantee extends to medical expenses incurred by the Contractor for surgical operations under general anesthesia and related veterinary fees, hospitalization expenses, pharmaceutical and rehabilitation therapies.

This guarantee is subject to limits per event and per insurance year agreed from time to time with the Company and is usually granted in common risk with all policies taken out in favor of the same policyholder.

The insurance guarantee is intended to be extended to medical expenses incurred by the Contractor for hospitalizations in veterinary clinics following an accident and/or illness relating to veterinary fees, hospitalization expenses, pharmaceutical expenses, rehabilitation therapies and anything else relating to the aforementioned situations limited to the period of hospitalization itself.

This guarantee is subject to limits per event and per insurance year.

The insurance guarantee is extended to cases of:
  • Theft of insured horses
  • Death that is a direct consequence of the theft of the same

The guarantee is extended if the insured person manifests a clinical condition during the period of validity of the policy, based on the diagnosis of the policyholder's veterinarian, confirmed by the Company's trusted veterinarian, which, although not requiring culling for humanitarian reasons, renders the horse permanently incapable of carrying out the functions for which it is insured.

The insurance guarantee covers any loss suffered by the Contractor in the event that the insured stallion becomes permanently impotent, sterile or unfit for breeding as a direct consequence of injury or illness occurring during the contract.

The guarantee covers cases where the unborn foal of the described mare:
  • Is not born alive due to:
    • Abortion
    • Stillbirth
    • Death during foaling
    • Death resulting from the death of the mare
  • If born alive, he dies due to injury or illness until the contract expires

ACCIDENT INSURANCE FOR AMATEURS AND COMPETITORS

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We are working to offer you dedicated insurance solutions for amateur accidents. This section will be available soon.

Recognized permanent disability: 3 percentage points

Company Deductible Compensation
INSURANCE 1 - BASIC ??? percentage points No compensation
INSURANCE 1 - SUPPLEMENTARY 3 percentage points * No compensation
INSURANCE 2 - BASIC Beginners 9 percentage points No compensation
INSURANCE 2 - COMPETITORS BASIC 5 percentage points No compensation
OUR PROPOSAL Custom €1,200

* There is no compensation, as the deductible is 3 percentage points.

OTHER COVERAGES AVAILABLE

We offer a full range of specialized insurance solutions for every aspect of the equestrian world.

Horse Civil Liability

Guarantee for damage that the animal causes to third parties, even during events. Not all head of household policies include this hypothesis and leave it to the policy of the center or whoever organizes the event.

This involves taking over the compensation obligation of the person who owns or has possession of the animal at the time of the damaging event.

Equestrian Centers

We offer business liability and fire damage coverage for equestrian centers, sports associations and equestrian facilities, with customized solutions.

  • RC coverage Activities: For damage involuntarily caused to third parties
  • Front Office:
    +39 371 6928730
  • Fire Damage Coverage: For structures, atmospheric and socio-political events

Demonstrations and Events

Coverage for the organization of fairs, sporting events, competitions and cultural events linked to the equestrian world.

It includes coverage for days disseminated about equestrian art and knowledge of the horse, recreational and recreational activities, pet therapy events even if these activities are carried out by equestrian centers and associations outside their own facilities.

Transport

Specialized insurance for vehicles used for horse transport, with specific coverage for the needs of the sector.

Weather Policy

Protection against adverse weather conditions that can compromise scheduled equestrian events and events.

Cancellation Policy

Coverage for the cancellation of events, races or equestrian events, to protect the organizers' investment.

YOUR CUSTOM COVERAGE

These are just some of the options we have available. Our philosophy is to create insurance coverage customized to your specific needs.

Contact us today for a no-obligation consultation and find out how we can protect you and your horses with solutions on measure.

Complete protection at advantageous conditions

Consultants specialized in the equestrian sector

Tailor-made solutions for every budget

Consulting

Operating in

• ITALY (EUROPE)
• QATAR (MIDDLE EAST)
• MOROCCO (NORTH AFRICA)

Front Office

+39 371 6928730

Site

Borgo San Fedriano 4, 50121, Firenze (FI)

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