Taylor, Harris Insurance Services

What Taylor, Harris Insurance Services does

Taylor, Harris Insurance Services, doing business as THIS Horse Insurance, is a privately held, family-owned specialty insurance agency founded in 1987 in The Plains, Virginia by Michael Taylor, George Harris, and Anthony Warrender. The firm focuses exclusively on equine insurance and has evolved to concentrate on sport-horse disciplines outside of racing, including show hunter, show jumper, dressage, eventing, foxhunting, and pleasure riding. The agency places policies with two carrier partners, GSNIC and Great American Insurance Company (the latter identified by policy prefix "AMP"), and handles claims through Great American Equine Claims. Coverage is primarily limited to horses located in the United States or Canada, with an international phone line available for cross-border clients.

The product portfolio is modular, anchored by Full Mortality (Base Plan) and extended through ten add-on modules: Major Medical & Surgical, Guaranteed Renewal Endorsement, Short-Term Insurance Coverage, Expected Foal Insurance, Stallion Permanent Infertility Insurance, Fire/Lightning/Risks in Transit Insurance, Equine Transit Insurance, Loss of Use, Guaranteed Live Foal Insurance, and Stallion First Season Congenital Infertility Insurance. Pricing is quote-based, with premiums driven by horse value, breed, age, competition discipline, and coverage selection; billing is annual. Distribution combines inside sales (six office agents available 9-5 ET), field agents embedded in the equestrian community (such as Evie Dutton, Director of New Business Development), and a self-serve online quote request form. Marketing relies on event sponsorships (Capital Challenge Horse Show, National Children's Medal Finals, Aiken Eventing Grand Prix), social media, a podcast presence (Plaidcast 339), and content marketing through the company website.

The company is founder-controlled with no outside funding. Michael Taylor remains Founder, President, and Director; his son Luke Taylor joined in 2021 as Director of Operations & Strategy after prior roles at Ogilvy and VICE Media. Other named leaders include Office Manager Janet Jolliff (20+ years tenure), Treasurer Colin Devine (a strategic consultant with InsurTech operating-partner experience), and field-agent-turned-Director Evie Dutton. The team numbers 1-10 employees, with headquarters at 6494 Main Street, Suite 4, The Plains, VA and a mailing address in Middleburg, VA. No AI/ML capabilities, patents, public-company status, or external capital are disclosed.

Name

Taylor, Harris Insurance Services

Legal name

Taylor, Harris Insurance Services

Website

https://thishorseinsurance.com

Company type

Private

Founded year

1987

Operating status

Operating

Headcount range

1–10 employees

Short description

Taylor, Harris Insurance Services is a privately held, family-owned equine insurance agency founded in 1987 in The Plains, Virginia, placing Full Mortality and modular specialty coverages with GSNIC and Great American Insurance Company for sport-horse owners across the United States and Canada.

Ownership category

akta.pro rank

Product category

Equine Insurance

NAICS

Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Wholesale Insurance Brokerage (Excess & Surplus Lines) (FSAEADAD)

Keywords

• Equine insurance services
• Horse mortality coverage
• Major medical insurance
• Loss of use coverage
• Equine transit insurance

Headquarters

HQ city

The Plains

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Others

Revenue model

1. Insurance Policy Placement / Agency Commissions: Taylor, Harris acts as an insurance agency/broker placing equine insurance policies with underwriters such as GSNIC and Great American Insurance Company. Revenue is generated through commissions from insurance carriers for policies placed.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core offering

Taylor, Harris Insurance Services is a specialized equine insurance agency that places horse insurance policies with underwriters including GSNIC and Great American Insurance Company. The agency offers a modular portfolio of insurance products with Full Mortality as the base plan, supplemented by Major Medical & Surgical, Loss of Use, Transit, Foal, and Stallion Infertility coverages. Revenue is generated through commissions paid by the underwriters for policies placed on their behalf.

Product overview

Taylor, Harris Insurance Services operates as a specialized equine insurance agency offering a modular portfolio of insurance products. The core offering is the Full Mortality – Base Plan, which provides market value coverage upon death. This core product is supplemented by multiple add-on modules including Major Medical & Surgical coverage for veterinary expenses, Loss of Use for performance horses that become unable to compete, and various specialized coverages such as Expected Foal Insurance, Guaranteed Live Foal Insurance, Stallion Permanent Infertility Insurance, and Stallion First Season Congenital Infertility Insurance. Additional protective modules include Guaranteed Renewal Endorsement, Short-Term Insurance Coverage, Fire/Lightning/Risks in Transit Insurance, and Equine Transit Insurance. The company places policies with GSNIC and Great American Insurance Company as underwriters.

Differentiator

Problem solved

Functional benefit

Products and services

• Full Mortality – Base Plan Core mortality insurance coverage that pays the policyholder the current market value of the insured horse in the event of death. It serves as the foundational policy on which other coverages are layered.
• Major Medical & Surgical Insurance coverage for veterinary expenses arising from illness or injury treatment, including surgical procedures. It is designed to offset high-cost medical care for horses.
• Loss of Use Coverage that compensates for loss in value when a performance horse becomes permanently unable to compete due to injury or illness. It is intended for owners of sport horses whose economic value depends on competition.
• Equine Transit Insurance Insurance coverage specifically for horses during transportation, covering risks associated with shipping domestically or internationally.
• Expected Foal Insurance Insurance coverage for unborn foals, protecting against loss during gestation and foaling for breeding operations.
• Guaranteed Live Foal Insurance Insurance covering a mare and foal during pregnancy and foaling, paying out if the foal is not born alive.
• Stallion Permanent Infertility Insurance Coverage for stallions that become permanently infertile due to sickness, accident, or disease.
• Stallion First Season Congenital Infertility Insurance Coverage for stallions facing congenital infertility during their first breeding season.
• Short-Term Insurance Coverage Temporary insurance coverage for specific periods such as buyer trial periods, typically used for the duration of a trial or short-term need.
• Fire, Lightning & Risks in Transit Insurance Coverage protecting against loss from fire, lightning, and various risks that may occur during transportation of horses.

Named customers2 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core.

• GSNICcoreOthersGSNIC is an insurance carrier/underwriter that provides equine insurance policies administered by Taylor, Harris. Policy numbers beginning with 'GSNIC' indicate coverage underwritten by this carrier.
• Great American Insurance CompanycoreOthersGreat American Insurance Company underwrites equine insurance policies administered by Taylor, Harris. Policy numbers beginning with 'AMP' are underwritten by Great American. The company also handles equine claims through Great American Equine Claims division.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Others

• Fasig-Tipton Livestock Underwriters (FTLU): Equine insurance underwriter historically led by Taylor, Harris founder Michael Taylor; related through the founder's background and through overlapping coverage of Thoroughbred and sport-horse markets.

Direct peers

• Capstone Equine Insurance Agency: Equine-focused insurance agency offering mortality, medical, and loss-of-use coverage to U.S. horse owners; competes head-to-head with Taylor, Harris for sport-horse and breeding clients.
• Ark International Group: Independent insurance agency specializing in equine mortality, major medical, and farm/ranch coverage, with a similar placement model and comparable target customer segments.
• HEM Insurance Services: Horse Equine Mortality specialist insurance agency offering mortality and major medical products; overlaps directly with Taylor, Harris on coverage types and customer profile.
• Blue Bridle Insurance Group: Long-standing U.S. agency specializing in horse and equine insurance (mortality, major medical, loss of use, liability), directly competing with Taylor, Harris for sport-horse owners in the same niche with similar carrier-brokerage model.
• Equisport Insurance Agency: Specialty equine insurance agency focused on horse mortality, medical, and liability, directly serving sport-horse and show-horse owners in the U.S. market alongside Taylor, Harris.

Broad incumbents

• Great American Insurance Company (Equine Division): Taylor, Harris's named underwriter for AMP-prefixed policies and the equine claims division. A broad specialty insurer that competes indirectly with the agency through direct carrier channels and other distribution partners.
• Markel Insurance: Large specialty insurer with a long-standing equine insurance program; competes with Taylor, Harris both as a direct-writing carrier and through other equine broker partners across the same mortality/medical product lines.
• Lloyd's of London (Equine Syndicates): Global specialty insurance market providing high-value equine mortality and transit coverage; competes for the same high-net-worth horse owners Taylor, Harris serves, particularly on international transit and six-figure mortality policies.
• GSNIC: Insurance carrier that underwrites GSNIC-prefixed equine policies administered by Taylor, Harris. Functions as a strategic partner but also competes in the broader equine underwriting market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/TaylorHarrisInsurance
• LinkedInlinkedin.com/company/taylor-harris-insurance-services
• Instagraminstagram.com/taylorharrisinsurance
• Xx.com/taylorharrisins

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Taylor, Harris Insurance Services