Bloodstock

Lemma Europe Insurance Company provides insurance policies for both thoroughbreds and private horse owners alike. Our policies are tailor made to your requirements and we can extend coverage to respond to any event. We provide broad and competitive cover which in addition to mortality and theft risks can also be extended to include the following:

• All risks of mortality
• Fertility
• Barrenness
• Prospective foal
• Congenital infertility for a stallion’s first season at stud
• Permanent and total infertility due to accident, sickness or disease
• Stallion and mare availability (loss of income)
• Loss of use (for higher valued competition horses only)
• Life saving surgery extension
• Vet fees cover
• Other saddlery and tack
• Public Liability

Did You Know?

Due to a decision in the House of Lords horse owners are now liable for any damage or injury that their horse does to other people regardless of whether you are negligent or not. Lemma Europe Insurance Co is conscious of this decision and recommends you have third party liability insurance cover if nothing else.

In the case of Mirvahedy v Henley, the House of Lords decided that in the event of someone being injured by a horse, the Animal Act should apply. Under the Animal Act the keeper/owner is strictly liable for any damage or injury to a third party, whether negligent or not.

Prior to this case owners could rely on taking due care of their animals with good stable practice and management to avoid the accusation of negligence. This is no longer a defence and the owner/keeper is liable regardless.

This decision is naturally leading to increased premiums for equine liability cover. However the cost of equine liability insurance is still reasonable when considered against the costs of having to defend a third party liability claim against yourself and the possible resulting compensation bill.

Please contact us at info@lemma-insurance.eu