What We Protect
Clinics, Shows, and Training
From dusty ranch clinics to high-stakes rodeos, your horse puts in the work. Hauling out to train, compete, or show off its skills comes with risks most policies overlook. We cover what happens in transit, in the warm-up pen, and everywhere in between. Because the work doesn’t stop when the trailer doors close.
Limited Permanent Disability Coverage
When a wreck doesn’t end in tragedy, but it sure ends a career. If your horse suffers a life-altering injury that keeps it from doing the job it was bred and trained for, we’ve got your back. This coverage helps soften the blow (financially and emotionally) so you can regroup without losing everything you’ve built together.
International Travel Coverage
Some horses cross oceans to prove their worth. If you’re hauling to Canada, flying out for competition, or crossing borders for breeding, we make sure your coverage travels with you. Different rules, unfamiliar terrain. But the same peace of mind.
Equine Mortality
A good horse is irreplaceable. But the loss shouldn’t leave you empty-handed. Whether it’s a sudden illness, pasture accident, or something you never saw coming, this coverage helps you recover when the unthinkable happens. It’s not about replacing what was lost. It’s about honoring what that horse gave you.
Medical and Surgical Coverage
Colic surgery. A torn suspensory. A bad fence wreck. When it hits, it hits fast—and the bills hit even faster. Our medical and surgical coverage takes care of the hard costs, so you can make the right call in the moment, not the affordable one. Because hesitation shouldn’t be part of the equation.
Loss of Use Breeding Insurance
When a proven breeder can’t do the job anymore, it’s more than a setback. It’s a ripple effect. If your stallion or mare becomes permanently unfit for breeding, this coverage helps cover the financial loss, giving you room to plan your next move without scrambling to fix what can’t be fixed.
Why Do You Need Western Horse Riding Insurance?
Because the risks are real, and the work doesn’t stop. Our coverage makes sure you don’t take the hit alone.
Because One Accident Shouldn’t End a Lifetime of Work
A lame horse isn’t just bad luck. It’s the difference between finishing a job and watching from the sidelines. Vet bills pile up fast, especially when you’re dealing with bucked tendons, colic, or a bad wreck in the arena. Our medical coverage helps with surgeries, treatments, and rehabilitation, so you can focus on getting your horse back on its feet instead of watching your bank account drain.
Keeping You in the Saddle, No Matter What
Western life is unpredictable. One bad step in a rocky pasture, one wreck in the chute, one wrong move in the branding pen—and suddenly, everything changes. You can’t plan for everything, but you can prepare for it. We take the weight of uncertainty off your shoulders, so you can ride with confidence.
Coverage for the Wild Cards Life Throws Your Way
You don’t leave a barn door open and hope the horses stay put. Same goes for your business, your ranch, and your livelihood. From sudden accidents to liability risks, we keep you covered—because out here, when things go wrong, they go wrong fast.
Our Western equestrian insurance solutions keep your operation covered, from the dirt under your boots to the dust on the horizon.
Step onto a ranch, and the story writes itself. The dust hangs in the air, stirred by steady hooves tracing the same well-worn paths. Leather reins rest firm in calloused hands, and the scent of sweat—both horse and rider—mingles with the crisp morning air. Out here, it’s not just about riding. It’s knowing that when the trail gets rough or the herd won’t settle, your horse will be right there with you. That kind of partnership isn’t bought. It’s earned. Mile after mile. Season after season.
It’s in the low rumble of hooves over dry earth, the creak of leather saddles, and the sharp whistle of a cowboy moving cattle before the sun even hits high noon. It’s not just about the ride. It’s about the trust between a horse and its rider—trust built through long days, rough terrain, and a whole lot of grit.
A good horse isn’t just an animal. It’s the partner that hauls you through a storm, cuts cattle like it can read your mind, and keeps you steady when the ground turns rough. You know your horse will give you everything it’s got, no matter how hard the work or how high the stakes. But here’s the thing—you can’t protect it from everything.
That’s where we come in. At Riderless Horse, we don’t deal in polished arenas and silver-plated saddles. We insure the horses that work just as hard as the people who ride them. Whether it’s a ranch horse, a rodeo bronc, a cutting champion, or the old gelding who’s carried you more miles than your truck, we make sure they’re covered when things don’t go as planned. Because when the dust kicks up and the stakes get high, the last thing you need to worry about is what happens if something goes wrong.
Insurance Services
Loss of Use Insurance
If your horse can’t do its job anymore, we provide financial support to help ease the burden
Liability Insurance
Whether you’re hosting an event or just working on the ranch, accidents happen, and we’ve got you covered.
Mortality Insurance
Protects your horse in case of an untimely death.
Medical and Surgical Insurance
For accidents and injuries during hard days on the ranch or rodeos.
Contact Us
We’re here to help!