Broadstone Equine Insurance Agency

What Broadstone Equine Insurance Agency does

Broadstone Equine Insurance Agency is a U.S.-based, privately held insurance agency founded in 2005 and headquartered in Middleburg, Virginia, specializing in equine insurance products. The company sells mortality, farm and ranch, and liability coverage to individual horse owners, equestrian businesses, trainers, instructors, farm/ranch operators, and event managers, with optional add-ons including Medical/Surgical coverage (annual limits of $7,500 to $15,000), Private Horseowner's Liability, and International Coverage for horses traveling outside the continental U.S. and Canada. Distribution is delivered through Marshall+Sterling's seven regional offices (Birmingham MI, Burbank CA, Hartland WI, Poughkeepsie NY, Tioga TX, Warrenton VA, Wellington FL) and a nationwide toll-free quote line, backed by lead-generation partnerships with equestrian brands and media such as Chronicle of the Horse, SmartPak, and USEA.

The agency operates as a wholly-owned subsidiary of Marshall+Sterling, a top-50 privately held U.S. insurance broker, following an acquisition that also absorbed Equisport, The EMO Agency, Excalibur Insurance, and Ingram Insurance Agency to consolidate the equine niche. The business model is commission-based brokerage: Broadstone distributes policies underwritten by multiple top A-rated carrier partners rather than carrying underwriting risk itself. The technology stack is unremarkable — core technology is not disclosed, no mobile app, no public API, and the primary digital touchpoint is a website-based quote-request form.

Revenue mechanics are quote-driven with no public pricing; the typical customer interaction is a high-touch, agent-mediated sales process for an annual policy. Customer acquisition blends direct regional office outreach, inbound phone/email inquiries, social media presence (Facebook, Instagram, X, LinkedIn, YouTube), and referral flows from equestrian-industry partners. The firm has 11–50 employees, is privately held, and reports no dedicated AI/ML, data, or proprietary technology assets in the available source material.

Name

Broadstone Equine Insurance Agency

Legal name

Broadstone Equine Insurance Agency

Website

https://broadstoneequine.com

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

11–50 employees

Short description

Broadstone Equine Insurance Agency is a U.S. specialty insurance agency providing mortality, farm/ranch, and liability coverage for horse owners and equestrian businesses. It operates as a wholly-owned subsidiary of Marshall+Sterling, distributing policies through seven regional offices and a nationwide quote line.

Ownership category

akta.pro rank

Headquarters

HQ city

Middleburg

HQ country

United States

HQ region

North America

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D

Pricing tiers

Distribution channels2 records

Marketing channels3 records

Core offering

Broadstone Equine Insurance Agency sells specialized horse insurance products — primarily Equine Mortality, Farm and Ranch, and Equine Liability coverage — to individual horse owners and equestrian businesses nationwide. Coverage is placed with multiple top A-rated insurers via Marshall+Sterling's regional offices, toll-free phone service, and online quote forms.

Product overview

Broadstone Equine Insurance Agency, now part of Marshall+Sterling, offers a comprehensive suite of equine insurance products. The core offerings consist of Equine Mortality Insurance (covering loss from accident, illness, disease, injury, theft, and humane destruction), Farm and Ranch Insurance (package policies for farms and ranches), and Equine Liability Insurance (covering defense fees and claims). Additional coverage options include Medical/Surgical coverage with annual limits of $7,500 to $15,000, Private Horseowner's Liability, and International Coverage for horses traveling outside the continental U.S. and Canada. The company also offers related products including General Liability, Single Day Events coverage, Care Custody and Control, and Workers Compensation for equestrian facilities.

Differentiator

Problem solved

Functional benefit

Products and services

• Equine Mortality Insurance Covers horses against loss from accident, illness, disease, injury, theft, and humane destruction. Targeted at individual horse owners and equestrian operations seeking mortality protection on their equine investments.
• Farm and Ranch Insurance Package policy specifically designed for farms and ranches, ranging from small to large operations, provided through partnered carriers. Suitable for equestrian farm and ranch owners.
• Equine Liability Insurance Equine liability policy covering defense fees and paying claims for which the policyholder is legally liable, up to policy limits. Designed for horse owners, trainers, instructors, and event managers.
• General Liability Insurance (Equestrian) General liability coverage for equestrian facilities and operations, providing protection against third-party bodily injury and property damage claims arising from business activities.
• One Day Event Insurance Short-duration insurance coverage for single-day equestrian events, providing liability and related protections for event organizers.
• Workers' Compensation Insurance (Equestrian) Workers' compensation coverage tailored for equestrian facilities and operations, providing statutory benefits for employee injuries.
• Care, Custody, and Control Insurance Coverage for horses in the care, custody, or control of the insured, such as trainers, instructors, and boarding facilities handling non-owned horses.

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• AIG Private Client Group: AIG Private Client offers equine coverage as part of its high-net-worth personal lines portfolio, including mortality, major medical and liability. It serves affluent horse owners with broader risk-management bundling than Broadstone typically provides.
• Chubb (Personal Risk Services): Chubb's high-net-worth Personal Risk Services include equine coverage for mortality, liability and care/custody/control. It competes at the upper end of Broadstone's market with materially stronger brand and balance sheet.
• The Hanover Insurance Group: Hanover writes equine mortality and farm coverage through its specialty lines, overlapping with Broadstone's core products. It is a broader commercial and personal insurer rather than an equine-only specialist.
• Great American Insurance Group (Equine Division): Great American underwrites equine mortality and farm/ranch coverage as part of a much larger specialty insurance portfolio. It overlaps with Broadstone's products but does not specialize in equine-only distribution.
• Travelers (Equine Coverage): Travelers offers equine mortality and farm/ranch coverages as part of its broader personal and commercial insurance portfolio. It competes for the same equestrian customers from a much larger, multi-line carrier platform.

Direct peers

• Markel Insurance: Markel is the largest specialty insurer with a dedicated equine division writing mortality, liability, farm/ranch and care/custody/control coverage. It directly competes for the same horse-owner and equestrian-business customers as Broadstone, with deeper carrier-side resources.
• Devon Lane Insurance Group: Devon Lane is a specialty insurance agency with a strong equine practice serving horse owners, trainers and farms across multiple U.S. regions. It is comparable in scale and niche focus to Broadstone, competing for the same equestrian insurance wallet.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/160479023992448
• LinkedInlinkedin.com/company/4191253

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 Broadstone Equine Insurance Agency