AEIG

What AEIG does

American Equine Insurance Group (AEIG) is a privately held, specialty insurance provider founded in 1994 and headquartered in Elgin, Illinois. The company is, by its own description, the only insurance provider in the United States devoted exclusively to equine exposures, underwriting equine mortality, medical/surgical, equine personal and commercial liability, and ranch & estate property coverage through 'A' rated carrier partners.

AEIG's product suite is organized around three pillars: mortality insurance (full mortality with add-ons including medical/surgical, catastrophic accident and illness, stallion infertility, loss of use, and named perils), liability insurance (personal, commercial general, race horse owner/trainer, care custody and control, professional, event, and clubs/associations), and ranch & estate coverage built on AAIS-developed policy forms. The platform supports coverage across all 50 U.S. states (with five state exclusions on the property line) and continental Canada for mortality policies.

AEIG generates revenue through annual subscription premiums on individual horse and farm policies, with pricing based on horse characteristics (breed, age, use), coverage limits ($300K-$1M occurrence limits with excess up to $5M), and selected tiers. Distribution is exclusively through a nationwide network of independent insurance brokers and agents, supported by an appointed-agent portal and 24/7 claims handling via a dedicated partnership with National Equine Adjusting. Customer segments span individual horse owners, horse farms, equestrian professionals, and clubs/shows, with competitive advantage anchored in three decades of category focus and more than 100 years of collective equine underwriting expertise.

Name

AEIG

Legal name

American Equine Insurance Group

Website

https://americanequine.com

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

11–50 employees

Short description

American Equine Insurance Group (AEIG) is a privately held specialty insurer underwriting equine mortality, liability, and ranch/estate coverage exclusively through independent brokers across the U.S. and Canada. It serves horse owners, farms, equestrian professionals, and clubs, and is the only U.S. carrier devoted solely to equine exposures.

Ownership category

akta.pro rank

Product category

Specialty Equine Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Other Direct Insurance (except Life, Health, and Medical) Carriers (524128)

SIC

Fire, Marine & Casualty Insurance (6331), Insurance Carriers, Nec (6399)

akta.pro primary industry

General Liability Insurance (FSAJAKAD)

Keywords

• Equine mortality insurance
• Equine liability insurance
• Horse farm coverage
• Ranch estate insurance
• Equestrian professional liability

Headquarters

HQ city

Elgin

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Insurance Premiums: AEIG generates revenue through insurance premiums charged to policyholders for equine mortality, liability, and property coverage. Premiums are based on horse's breed, age, and use. Policies are available in various coverage tiers with occurrence limits ranging from $300,000 to $1,000,000.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

AEIG underwrites and distributes specialty equine insurance products in the United States, including full mortality policies (with add-ons such as medical/surgical, stallion infertility, loss of use, named perils, and catastrophic accident and illness coverage), a portfolio of equine liability policies (personal liability, commercial general liability, race horse owner/trainer CGL, care/custody/control, professional liability, event CGL, and clubs/associations CGL), and ranch and estate property coverage for horse farm owners. Coverage is sold exclusively through a nationwide network of independent insurance brokers and agents.

Product overview

American Equine Insurance Group (AEIG) offers a comprehensive suite of equine insurance products organized across three main categories: mortality insurance, liability insurance, and ranch/estate coverage. The core mortality products include Full Mortality Insurance with optional add-ons such as Medical and Surgical Coverage, Catastrophic Accident and Illness (Cat Med), Third Party Liability, Stallion Infertility, Loss of Use, and Named Perils. The liability portfolio spans Equine Personal Liability, Commercial General Liability, Race Horse Owner/Trainer CGL, Care Custody or Control, Professional Liability, Event CGL, and Clubs/Associations CGL. Ranch & Estate coverage protects dwellings, farm buildings, and personal property with optional enhancements including the Elite Form. The company distributes through independent insurance brokers and agents nationwide and is the only insurance provider in the United States devoted exclusively to equine exposures.

Differentiator

Problem solved

Functional benefit

Products and services

• Equine Mortality Insurance

Quantifiable outcome

• Colic surgery coverage of up to $3,000 including aftercare
• +3 more outcomes

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Two partnerships are on record, tiered core.

• National Equine Adjusting, Inc.coreImplementation/ SI/ Consulting PartnerAEIG partners with National Equine Adjusting, Inc. for claims handling services. National Equine Adjusting provides 24/7 access to claim adjusters for equine mortality, liability, and property claims. Adjusters are available around the clock to assist policyholders with claim reporting and resolution. Contact: 800-783-9418, [email protected], www.nationalequine.net
• American Association of Insurance Services (AAIS)coreTechnology or IntegrationAEIG's Ranch & Estate program utilizes forms developed in conjunction with AAIS. AAIS is an insurance services organization that provides policy forms and underwriting guidelines for the insurance industry. The partnership enables AEIG to offer standardized coverage for horse farm owners.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Great American Insurance Group: Great American's Equine Mortality and Farm & Ranch divisions underwrite horse mortality and farm property coverage through independent agents. Directly competes with AEIG on mortality and ranch/estate products within the same broker channel.
• Markel Corporation: Markel operates one of the most prominent specialty equine insurance programs in the U.S., offering mortality, liability, and farm coverages through equine-specialized underwriters. Directly comparable to AEIG's product suite and broker-led distribution model.
• K&K Insurance Group: K&K specializes in sports, leisure, and entertainment insurance including equestrian event and facility liability. Comparable specialty-insurer model serving equestrian clubs, shows, and professionals — overlapping with AEIG's event CGL and clubs products.

Broad incumbents

• Travelers: Travelers writes farm and ranch and equine mortality coverage through its agricultural insurance unit as part of a much broader P&C portfolio. Overlaps with AEIG on farm/ranch and mortality but does not specialize exclusively in equine.
• Hiscox Insurance: Hiscox is a specialty insurer with U.S. equine and equine-related professional liability offerings via brokers. A broader specialty carrier with overlapping capabilities in the equine and professional liability space AEIG serves.
• Chubb: Chubb writes high-net-worth personal lines including equine coverage for owners of valuable sport horses and farm properties. A broad incumbent with overlapping affluent equine owner coverage rather than a dedicated equine specialist.
• AIG: AIG Private Client Group and AIG specialty lines offer coverage for high-value horses and equestrian estates. A large, diversified insurance group with overlapping capabilities at the high-end of AEIG's customer segments.
• The Hartford: The Hartford offers equine and farm coverage through its small commercial and agribusiness lines. A broad P&C incumbent with equine-adjacent offerings distributed through independent agents similar to AEIG's channel.
• Liberty Mutual: Liberty Mutual's specialty and farm/ranch lines offer equine-related coverage options for property and liability risks. A broad P&C incumbent with limited equine specialization that nonetheless competes in the same broker distribution channels as AEIG.
• Nationwide: Nationwide writes equine mortality and farm/ranch coverage as part of its diversified P&C and agribusiness portfolio. Overlaps with AEIG on mortality and farm/ranch but operates a multi-line national model rather than equine-exclusive.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/167939556552440
• LinkedInlinkedin.com/company/american-equine-insurance-ltd

Revenue estimate

Valuation estimate

Number of profiles

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 AEIG