Equine Full Mortality Insurance & Equine Major Medical Insurance

Peace of mind for horse owners. Mortality insurance provides financial protection in the event of death due to accident, illness, or humane destruction.

Sea Mountain Insurance is the leading provider of equine mortality and medical coverage insurance in Washington. We offer a wide range of coverage options, so it's easy to find the right plan for you and your horses.

Insurance for every need

Whether you're an equestrian professional with a few horses, an amateur with a hobby horse, a breeder or a show pony owner, we have a plan that's right for you. At Sea Mountain Insurance, we understand that your horse is an important part of your family. That's why we offer insurance that covers all three major types of equine risks - mortality, medical, and liability - to protect your horse.

Backed by decades of experience

Established in 1987, Sea Mountain has been providing equine mortality and medical coverage insurance to horse owners across the country for over 34 years. With hundreds of policies sold, we offer deep knowledge and expertise in the industry - as well as exceptional customer service.

Optional coverages available are:

  • Major Medical / Surgical
  • Surgical Only Coverage
  • Colic Medical & Surgical
  • Third Party Liability
  • Territorial Limits Including Transit
  • Stallion Infertility for A, S & D
  • Loss of Use

FAQ

What does Equine Mortality Insurance typically cover?

Equine Mortality Insurance coverage can include protections that vary by carrier and policy form. Sea Mountain Insurance helps you compare options and select limits and endorsements that fit your situation.

How do I know what limits I need?

Limits depend on your assets, contractual requirements, and risk exposure. A short review of your current policies and goals is usually enough to recommend an appropriate starting point.

Can Sea Mountain Insurance compare multiple carriers?

Yes. As an independent agency, Sea Mountain Insurance can shop multiple top-rated carriers to help you balance coverage, pricing, and service.

How quickly can I get a quote?

Timing depends on the line of coverage and required documentation. Many personal lines can be quoted quickly, while specialty business or marine risks may require additional underwriting details.

What information should I have ready?

In general: current policy declarations (if available), loss history, key asset details (vehicles, property, equipment), and any contract or lender requirements.

Do I need additional endorsements?

Endorsements can fill common gaps (e.g., additional insureds, equipment coverage, higher liability limits). Your specialist can identify what is appropriate based on your needs.

 

We Can Help

At Sea Mountain Insurance, we're not your typical insurance agency. We're an independent insurance agency representing some of the top property & casualty companies in the country. We're able to offer our clients a broad range of products that provide them with the assurance that they need to protect their assets, their family's future, and their livelihood. Contact us about Equine Insurance or for a free review and quote for Equine Insurance.

CONTACT AN INSURANCE SPECIALIST

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