Horse Racing Insurance for Every Side of Race Day
The track, the horse, the crowd, the racer, and the road to get everyone there — most agencies write one of these. We write all five, under one roof. A-rated carriers, quotes typically turned around in 24 hours, coverage placed in all 50 states.
One agency. Every angle covered.
Tell us which side of race day you're insuring — venue, horse, event, participant, or transport — and we'll build the program around it, not force it into a generic policy.
- Facility & event liability
- Equine mortality & medical
- Racer accident & disability
Every specialist writes one piece. We write all five.
Great American writes equine mortality and a separate Race Horse Owners Liability product for syndicate owners — but doesn't touch the track. K&K writes horse racing facilities coverage, including the off-track betting and racino operations a modern track runs — but doesn't write the horse. Muirfield has a dedicated Care, Custody & Control page for people handling horses they don't own — but no facility or event product at all. Each is genuinely good at their one line. None sells more than one.
That's the gap we built this agency to close. A race day is five risks at once: a venue liable for everyone on its grounds, a horse worth more than most of the vehicles in the lot, a crowd standing feet from a thousand-pound animal at speed, a jockey or driver with no employer to fall back on, and a truck and trailer that got everyone there. We're the one agency that places coverage for all five sides together — coordinated so there's no gap between where one policy ends and the next begins:
facility insurance for the venue, equine insurance for the horse, spectator & event liability for the crowd, racer insurance for the participants, and transportation & auto insurance for getting everyone there and back. You don't need to already know which of the five you need — tell us what you do on race day, and we'll tell you which lines apply.
Five coverage lines, one program
Click any coverage to see what it covers, who needs it, and get a quote built specifically for that buyer.
What Does Horse Racing Insurance Actually Cost?
This is the question we hear more than any other, on every side of race day — what a season of facility and event coverage runs, what it costs to insure a racehorse, what accident coverage for a jockey is worth, what a commercial trailer policy adds over a personal one. There isn't one number, because there isn't one buyer: equine mortality is priced against agreed value and racing record; a facility and event program scales with attendance, grounds value, and whether alcohol or wagering is part of the day; racer limits are sized to mount volume and discipline; commercial hauling is priced against fleet size and driving radius, not a single weekend trip.
What we can tell you directionally: attendance and event calendar move the number on facility and event lines, agreed value and racing record move it on equine, coverage limits and mount volume move it on racer, hauling frequency and radius move it on transportation — not a flat rate card that ignores your operation. Every coverage page below breaks its cost drivers down further, and our cost guide on the blog walks through all five lines side by side. The fastest way to a real number is still a quote.
Every side of race day
From a single racehorse owner to a full facility running a race meet, we tailor the program to what you actually do.
Facility Owners
Racetracks, training centers, and event venues — property and liability coverage that reaches the off-track betting and racino operations a modern track runs, not just the grandstand.
Horse Owners & Trainers
Mortality and loss-of-use coverage for the horse itself, plus Race Horse Owners Liability for owners who aren't in the barn every day.
Racers & Participants
Accident and disability coverage sized to real racing risk, plus Care, Custody & Control for the horses jockeys and exercise riders handle but don't own.
Haulers & Transporters
Commercial hauling coverage for horse trailers and transport vehicles moving horses and staff to race day — not a personal weekend trailer policy.
From quote to covered in three steps
Tell us which side you're on
Facility, horse, event, racer, or transport — share the details through the coverage-specific quote form, or just call.
We build your program
A specialist matches you to A-rated carriers and structures the right coverage line — or lines — to fit, no gaps, no overpaying.
Bind and get your certs
Review, bind, and receive the certificates a venue, sanctioning body, or lender requires.
Specialists, not generalists.
See how we structure it“Racing coverage is all we do — it's our specialty, not a side line we bolt onto a generic commercial book.”
Racing is all we do, not a side line
We know facility exposure, equine mortality mechanics, and participant risk cold, because this program exists specifically for racing.
One agency, the whole program
Facility, equine, spectator and event, racer, and transportation coverage are coordinated from the start — no gap between where your track's policy ends and your horse's, your event's, or your hauler's begins.
A-rated carriers who understand racing
We place your risk with carriers that actually underwrite this exposure, with coverage placed in all 50 states.
Horse racing insurance FAQs
It depends which side of race day you're on. Facility insurance protects the track or venue, equine insurance protects the horse, spectator & event liability covers the crowd, racer insurance covers jockeys and drivers, and transportation & auto insurance covers hauling horses and people to events. We assemble the right combination for your operation.
It varies widely by coverage line, venue size, horse value, and event attendance, but the fastest way to a real number is a quick quote — call 844-967-5247.
No. A facility owner, a horse owner, an event organizer, a racer, and a hauler each carry genuinely different exposure. That's why we built five distinct coverage lines instead of one generic 'racing policy.'
Yes. We place coverage across thoroughbred flat racing, harness/standardbred racing, and quarter horse racing, for facilities, horses, events, participants, and haulers.
Absolutely. We write standalone event and facility coverage for one-off meets and fundraisers, not just year-round tracks.
Often the same day. Share a few details through the coverage-specific quote form or by phone, and a specialist will get to work right away.
Get a horse racing insurance quote today
Tell us which side of race day you're insuring and we'll build a program that fits — often with same-day turnaround.