Equine Insurance // Tailored Coverage
They're WorthMore ThanYou Think.
Bespoke insurance for racehorses, broodmares, and eventers — covering the gaps standard policies leave wide open.
Origin Story
Why Paddock Exists.
"What if the worst morning of your life started in the yard?"
It was 5:47 AM when our founder, James Hartley, found Copper — his 9-year-old event horse — down in the box. Pawing the ground. Drenched in sweat. Colic. The kind that needs surgery.
The surgery cost £9,400. The horse had cost £8,500.
The standard policy James had — the kind sold alongside the horse trailer — covered up to £3,000 for vet fees. A standard exclusion clause ruled out colic surgery as "elective." He was left with a £6,400 hole and a horse that couldn't compete for six months.
£6,400
Out-of-pocket after standard policy
Standard policies are written for livestock. Not athletes.
James spent three weeks calling every equine insurer in the UK. Loss of use? Excluded. Fertility failure for the broodmare he'd just bought? Not a product. Transit cover that actually covered a spooked horse breaking a leg in a lorry? "We'd need to reassess."
So he built the coverage that should have existed.
Paddock launched in 2019 with a single principle: every policy should be written by someone who has stood in a cold yard at 6 AM wondering if they could afford to save their horse. We've paid £4.2M in claims since. We've never once hidden behind a clause.
£4.2M
Claims paid since 2019
Coverage // Five Policies
Built for Every
Horse. Every Use.
Flip any card to see exactly what's covered, the policy limit, and a real claim we've paid. No small print surprises.
Mortality
Full market value if the worst happens.
- Death from illness, injury, or accident
- Humane destruction on veterinary certificate
- Theft and straying
- Transit-related mortality
Real Claim
Ardmore Lad, 6yo TB gelding
Fatal colic complication post-surgery. Insured for £45,000.
£45,000 within 12 working days.
Limit: Up to £500,000 per horse
Loss of Use
When they can't do what they were bought to do.
- Permanent inability to perform insured purpose
- Competition, breeding, or racing use
- Covers partial loss of use at reduced rate
- No requirement for euthanasia
Real Claim
Silverbridge Duchess, 8yo Warmblood mare
Suspensory ligament damage ending competition career.
£18,000 (60% of £30,000 insured value).
Limit: Up to 60% of insured value
Transit
From yard to venue and back, fully covered.
- Road traffic accidents involving the horsebox
- Panic injury during loading or unloading
- Breakdown delays requiring emergency vet
- International transit by air and sea
Real Claim
Connemara Pony, 5yo
Fractured cannon bone after lorry swerved on M4.
£11,400 vet fees + £8,000 mortality component.
Limit: Up to £250,000 per journey
Fertility
Covering the future value of your breeding stock.
- Failure to conceive after three covered seasons
- Stallion infertility from injury or illness
- Mare reproductive tract injury
- Covering fee reimbursement on failed pregnancies
Real Claim
Stud stallion, 7yo Irish Sport Horse
Testicular torsion rendering stallion infertile mid-season.
£62,000 (lost covering fees + loss of use settlement).
Limit: Up to £80,000 covering fee value
Public Liability
If your horse causes it, we've got it covered.
- Third-party bodily injury caused by your horse
- Property damage during competitions or hacking
- Legal defence costs included
- Cover at livery yards, events, and public roads
Real Claim
Hunter gelding at county show
Spooked into a parked vehicle; spectator sustained wrist fracture.
£34,000 vehicle damage + £21,000 personal injury settlement.
Limit: Up to £5,000,000 per incident
Real Clients // Real Claims
We've Paid Out
When It Mattered.
Every number below is a real horse, a real situation, and a real cheque sent without argument.
£4.2M
Total claims paid since 2019
48h
Average claim response time
98%
Renewal rate among clients
1,200+
Horses currently on cover
After the syndicate bought our third share in a Cheltenham prospect, I needed mortality cover in place before we signed. Paddock had the certificate issued within four hours. That's the kind of speed you need when the paperwork is flying.
Fiona Callahan
Syndicate Treasurer · Heatherfield Racing Partnership
Our stallion covers fourteen mares a season. The fertility policy paid out when he had an infection mid-season — we recovered the covering fees and the loss of use. I don't know another insurer who even offers that product.
Tom Whitfield
Stud Farm Manager · Whitfield Stud, Co. Tipperary
I trailered Biscuit to her first three-day on my own. The transit policy meant I could focus on the event, not on what would happen if the lorry broke down on the M5. We had a great weekend — and Paddock never needed to know about it.
Priya Desai
Amateur Eventer · Midlands Riding Club
Book a Call
15 Minutes.
Every Question
Answered.
No jargon, no pressure. Tell us about your horse and we'll talk you through exactly what cover makes sense — and what you genuinely don't need to pay for.
Speak to a horse person, not a call handler
Policy certificate issued same day
48-hour claim response, guaranteed in writing
FCA regulated. No hidden exclusions.
"Everything valuable out there is accounted for."
James Hartley, Founder