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Why Insure?
Simply, it is a case of assessing the risk and the potential of a loss to your own account or transferring the risk/loss to an Insurer.
Horses are high risk over which you have little control even though you might employ or engage the best animal husbandry.
Experience tells us that you are much more likely to have a loss and subsequent claim as a horse owner than that of a house owner. With a house you can engage the burglar alarm or call the fire brigade.
Compare this with a colic attack or a paddock accident over which you have no control.
Arranging insurance cover on your horse is the only reliable way to protect your bloodstock investment and ensure your ongoing participation in the thoroughbred industry, be it breeding or racing.