Swiss Re has filed updates to its equine insurance program across multiple states, including Utah, Washington, Wisconsin, Tennessee, Vermont, Louisiana, Idaho, and North Carolina. At the center of the filing is a revised approach to “loss of use” coverage, introducing an exclusion that removes eligibility for permanent disability claims tied to pre existing or specified conditions. The change effectively narrows when a horse qualifies for a loss of use payout, tightening the scope of protection within a niche but high value segment of animal mortality insurance.

Swiss Re distributes this product through MGU Kirk Horse Insurance, founded in 1982, which insures roughly $1 billion in horse value worldwide.

The move comes as activity in the equine insurance space continues to build.

Sutton National has been rolling out its own equine program across multiple states since late 2025, with filings continuing into this year. The program is distributed via Bascule, a global MGA founded in 2017 focused on equine insurance, combining underwriting and distribution with a technology-enabled platform. The company reports covering more than 170,000 horses and serving over 50,000 customers. In developing its rates, Sutton National referenced filings from carriers such as Accelerant, United States Fire Insurance (part of Crum), and General Security National Insurance Company (part of SCOR).

An additional entrant is Professional Solutions Insurance Services, which introduced its equine mortality program in Iowa last year. Its rate development draws on benchmarks from Great American, Berkley StarNet, HDI, Core Specialty, and Bascule. The company has since expanded into states including Illinois, North Carolina, Oklahoma, South Carolina, Virginia, and West Virginia.

Professional Solutions Insurance Services is part of NCMIC Insurance Company, which insures more than 40,000 chiropractors across all 50 states, representing over 50% of licensed chiropractors in those markets.