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Equine and Livestock

Equine and Livestock

Next to your home or car, owning a horse or livestock can be one of the most expensive purchases you will ever make, so it makes sense to protect yourself and your investments.

Marsh - a global leader in insurance broking and risk management - has a wealth of experience and expertise in designing insurance solutions for a wide range of equine and livestock needs.

This includes insurance cover for:

  • Competition, leisure and breeding horses
  • Thoroughbred and Standardbred racehorces
  • Semen and foetus
  • Livestock

And our cover is backed by London based international underwriters Lloyds, who have an ‘A’ claims rating, giving you peace of mind that you’re being looked after by the best in the business.

Equine Cover

The equine industry offers great thrill and excitement; however, animals are susceptible to mishaps; from accidents and injuries to sickness and disease. And while every horse owner has their own individual needs, their horse has its own unique exposures and this calls for flexible, customised insurance cover.

Marsh is one of New Zealand’s largest providers of bloodstock insurance products and have been operating out of Waikato since 1995. Our team not only understand insurance but share a passion for and have a genuine interest in the horses they insure. Our team prides itself on exceeding customer expectations by providing excellent service along with listening and responding to our customers’ needs.

Our team are also specialists in tailoring insurance products specifically for the needs of owners of leisure, riding and competition horses - including thoroughbred and standardbred horses.

What type of horses do Marsh insure?

Marsh can arrange cover for a wide range of horses and various disciplines, including:

Show Jumpers, Show Hunters, Eventers, Miniatures, Dressage, Stallions, Pony Club, Western, Hunters, Polo, Thoroughbred and Standardbred, Broodmares, Foetus/Prospective Foals, Foals from 24 hrs, Pleasure and senior horses aged between 17-25 years old.

Livestock Cover

Whether you have one animal or hundreds, Marsh can tailor insurance to suit your specific needs. From alpacas and cattle, to deer and sheep, our insurance includes herd cover, mortality cover, stud infertility, transit insurance and more.

Not all policies include transit within and between New Zealand and Australia. The geographical limits can be extended to include other countries on request.

Thoroughbreds

Veterinary examinations are required for all horses with a sum insured over $115,000 (incl. GST). All other horses are subject to an acceptable Declaration of Health.

Premier Cover

Death or destruction on humane grounds, by accident sickness or disease and limited theft and transit within and between New Zealand and Australia.

A vet certificate is required on horses aged over 15 years and under 30 days of age.

Transit Insurance

Mortality coverage whilst the horse is transiting between countries.

Foetus Insurance

Provides protection for the unborn foetus, cover can expire 45 days or six months after birth.

Foals

Foals can be insured from 24 hours of age for an annual period or until the yearling sales.

Foal Vet Certificate can be found here.

Stallion Infertility Clause

In the event your proven stallion becomes permanently infertile from accident, sickness or disease, you will be paid up to 100% of the indemnity due under the mortality policy.

Congenital Infertility

Congenital infertility cover is available for first season stallions.

Care, Custody and Control

This insurance is essential for anyone who has care, custody or control of another person’s horse/s whether they are a commercial operation or not. Studs, thoroughbred trainers, agistment and shuttle stallion farms who are responsible for other people’s horses are among those who should seriously consider this cover. The policy pays up to the sum insured for the costs you are legally obliged to pay others for damage to horses in your care, custody or control.

This coverage does not apply to horses you own or lease, which typically are covered by a mortality policy. Almost all general liability policies exclude coverage for injury or death to any animal in your care, custody or control. Our CC&C policy will defend and protect you against claims for negligent acts.

Standardbreds

Veterinary examinations are required for all horses with a sum insured over $115,000. A veterinary certificate is required on horses aged over 15 years and under 30 days of age. All other horses are subject to an acceptable Declaration of Health.

Classic Cover

  • Death or destruction on humane grounds from any accident sickness or disease
  • Theft
  • $10,000 Life Saving Surgical cover of reasonable life saving surgical costs necessitated by accident, injury or illness. ($1,000 excess applies) for horses within New Zealand only
  • Transits within and between New Zealand and Australia.

$10,000 Major medical cover available for additional premium.

Transit Insurance

Mortality coverage whilst the horse is transiting between countries.

Foetus Insurance

Provides protection for the unborn foetus, cover expires 45 days or 6 months after birth.

Foals

Foals can be insured from 24 hours of age for an annual period or until the yearling sales.

Foal Vet Certificate can be found here.

Stallion Infertility Clause

In the event your proven stallion becomes permanently infertile from accident, sickness or disease, you will be paid up to 100% of the indemnity due under the mortality policy.

Congenital Infertility

Congenital infertility cover is available for first season stallions.

Care, Custody and Control

This insurance is essential for anyone who has care, custody or control of another person's horse/s whether they are a commercial operation or not. Studs, thoroughbred trainers, agistment and shuttle stallion farms who are responsible for other people’s horses are among those who should seriously consider this cover. The policy pays up to the sum insured for the costs you are legally obliged to pay others for damage to horses in your care, custody or control.

This coverage does not apply to horses you own or lease, which typically are covered by a mortality policy. Almost all general liability policies exclude coverage for injury or death to any animal in your care, custody or control. Our CC&C policy will defend and protect you against claims for negligent acts.

 

Equestrian

Mortality Only Cover: 24 hours of age through to 19 years of age

  • Death or destruction on humane grounds from any accident sickness or disease
  • Theft
  • Transits within and between New Zealand and Australia.

Advanced Cover: Ages 6 months – 16 years

  • Death or destruction on humane grounds from any accident sickness or disease
  • Theft
  • $5,000 of reasonable medical and surgical charges necessitated by accident, injury or illness. ($500 excess applies)
  • Transits within and between New Zealand and Australia.
  • 12 month extension clause

Advanced Plus Cover: Ages 4 – 16 years

  • Death or destruction on humane grounds from any accident sickness or disease
  • Theft
  • $5,000 of reasonable medical and surgical charges necessitated by accident, injury or illness. ($500 excess applies)
  • Plus Permanent Loss of Use by accidental, external and violent means. Settlement based on 50% if you elect to keep the horse in retirement or 75% of the sum insured should the horse be put down.
  • Transits within and between New Zealand and Australia.
  • 12 month extension clause

Grand Prix Cover: Ages 4 – 16 years

  • Death or destruction on humane grounds from any accident sickness or disease.
  • Theft
  • $10,000 of reasonable medical and surgical charges necessitated by accident, injury or illness. ($1,000 excess applies)
  • Plus Permanent Loss of Use by accidental, external and violent means. Settlement based on 50% if you elect to keep the horse in retirement or 75% of the sum insured should the horse be put down.
  • Transits within and between New Zealand and Australia.
  • 12 month extension clause

Superior Cover: Ages 4 – 16 years

This cover requires a 5 stage veterinary certificate with radiographs to be completed and submitted to our underwriter for acceptance. Please refer to our x-ray requirement list.

  • Death or destruction on humane grounds from any accident sickness or disease.
  • Theft
  • $10,000 of reasonable medical and surgical charges necessitated by accident, injury or illness. ($1,000 excess applies)
  • Plus Permanent Loss of Use by Accident, illness or disease. Settlement based on 50% if you elect to keep the horse in retirement or 75% of the sum insured should the horse be put down.
  • Transits within and between New Zealand and Australia.
  • 12 month extension clause

Additional extension options:

Increased Colic Surgery Extension:

  • NZ$10,000 in the aggregate per insured animal per period of insurance. This extension covers the difference between the Major Medical Coverage and NZ$10,000 ($500 Excess payable under $5,000 Major Medical extension)

Third Party Liability Coverage for property damage only:

  • NZD$300,000 Third Party Liability Coverage for tangible property damage which occurs anywhere in New Zealand (NZD$500 Excess applies)

Carcass Disposal Costs Extension Clause

  • NZD$500 Carcass disposal incurred by the policyholder if the Insured Horse has a valid claim under the All Risks of Mortality or Loss of Use sections of the policy

Foals

  • Foals can be insured from 24 hours of age for an annual period.
  • Transits within and between New Zealand and Australia.
  • Foal Vet Certificate can be found here.

Transit Cover

  • Mortality coverage whilst the horse is transiting between countries.

Stallion Infertility Clause

  • In the event your proven stallion becomes permanently infertile from accident, sickness or disease, you will be paid 100% of the indemnity due under the mortality policy.

Veterinary Certificate Requirements

  • Any horse that has received veterinary treatment in the past 12 months.
  • Stage 1 & 2 Vet Certificates for horses valued at $57,500 and above.
  • Stage 5 Vet Certificate including x-rays for any horse requiring the superior cover. Please refer to our x-ray requirement list.
  • Horses under 30 days and 17 years and over.
 
Alpacas

Supreme Cover

Death or destruction on humane grounds, by accident sickness or disease and limited theft.

Stud Male Infertility

In the event your proven stallion becomes permanently infertile from accident, sickness or disease, you will be paid up to 100% of the indemnity due under the mortality policy.

Crias

Crias can be insured from 30 days of age for an annual period.

Veterinary Certificates

are required for:

  • All alpacas insured over $28,750; and
  • Crias from 30 days of age to 90 days of age; and
  • Alpacas over the age of 12 years
  • Any male insured for permanent infertility

All other alpacas insured are subject to an acceptable declaration of health.