We insure racing — every side of it.
HorseRacingInsurance.com is the racing program of Contractors Choice Agency. We exist to solve one problem well: everyone connected to a race day — the venue, the horse, the crowd, the participant, and the haul — needs specialized coverage that a generic policy was never built to provide, and until now, getting all of it required stitching together separate relationships with separate specialists who each only understood their own piece of the risk.
Racing is one of the most misunderstood risks in commercial insurance, precisely because it isn't one risk. A standard commercial property or general liability policy is underwritten around ordinary business exposure — it doesn't contemplate a live, thousand-pound animal running at speed a few feet from paying spectators, a horse worth six or seven figures whose value can change the moment a claiming race closes, a jockey or driver who's an independent contractor with no employer-provided coverage to fall back on, or a trailer hauling that horse down the highway for compensation. Each of those exposures needs to be underwritten by someone who actually understands racing, not priced off a generic formula built for a different kind of business entirely.
Why we specialize
Look at who else writes this business and a pattern shows up fast: everyone specializes in one slice. Some of the biggest names in equine insurance write mortality and Race Horse Owners Liability for owners and syndicates, but they don't touch the racetrack itself. Specialty facility carriers write racetrack property and liability — including the off-track betting and racino operations a modern venue runs — but they don't write the horse. Other specialists have built a genuinely strong Care, Custody & Control product for people handling horses they don't own, but offer no facility or event coverage at all. Each of them does their one line well. None of them do all five.
We built this program around the opposite premise: race day has five distinct buyers — the facility owner, the horse owner or trainer, the event organizer, the racer, and the hauler — and each one deserves coverage structured specifically for their exposure, coordinated with the other four rather than sold as an isolated, disconnected policy. When a track's facility coverage, a horse's mortality policy, an event's liability limits, a jockey's accident and disability coverage, and a hauler's commercial auto policy come from five different specialists who've never spoken to each other, the gaps between those policies are where claims fall through. When they come from one program built to work together, someone is actually looking at the whole picture.
As a Contractors Choice Agency program, we bring the carrier relationships and market access of an established agency to a niche we've chosen to know cold — the specialization of a boutique racing broker, backed by the reach to place that coverage with A-rated carriers in all 50 states.
What you can expect from us
Racing-focused
We know facility exposure, equine mortality mechanics, and participant risk because this program exists specifically for racing, not as one vertical inside a generalist book.
Whole-program thinking
Facility, equine, spectator and event, racer, and transportation coverage built to work together, not sold as disconnected policies you have to reconcile yourself.
Advocates, not order-takers
We shop your risk to carriers that actually understand racing and stay in your corner at renewal and at claim time, not just at the sale.
Straight answers
Clear explanations of what's covered and what isn't, so there are no surprises when you actually need the policy to respond.
Get a horse racing insurance quote today
Tell us which side of race day you're insuring and we'll build a program that fits — often with same-day turnaround.