Bloodstock Insurance Hong Kong

Specialist Bloodstock & Equine Insurance

Hong Kong's Only Specialist Bloodstock Insurance Broker

Protecting thoroughbred racehorses, syndicate members and equine investments in Hong Kong and across Asia. With a dedicated bloodstock division led by an experienced equine veterinary surgeon, we provide cover and advice that no generalist broker can match.

Get a Bloodstock Quote

Speak to Dr Michael Hurley

Services Benefit

Special Benefits of the Bloodstock Insurance

Trusted by Hong Kong businesses since 1990

Lloyd's of London Coverholder

Fast quotes - usually within 24 hours

What We Offer

Key Features of Our Bloodstock Insurance Service

Specialist Bloodstock Expertise

Official
HKROA
Broker

Tailored Coverage for Every Horse

Global
Coverage

Insurance Solutions For Bloodstock

We understand that insuring a racehorse in Hong Kong is not like insuring any other asset. The HKJC environment, the specific rules around bleeding and retirement, the pressure of auction purchases and the complexity of syndicate ownership all require specialist knowledge that most general insurance brokers simply do not have. That is why MGG built a dedicated bloodstock division - so that every client, from first-time syndicate members to established breeding operations, receives advice grounded in real equine expertise.

Q: What insurance does my HKJC racehorse require?

A: While the HKJC does not mandate a specific policy, all responsible owners should hold at minimum an All Risks Mortality policy covering the agreed value of their horse. Given the HKJC's specific rules around bleeding and heart conditions, Limited Loss of Use cover is also strongly recommended. We advise all new owners on the right cover from day one.

How many bloodstock insurance products do you arrange?

A: We arrange eight categories of bloodstock and equine insurance cover - from mortality and theft through to transit, auction, syndicate, veterinary fee and international cover. All policies are individually assessed based on the horse's profile, health history and intended use.

Q: How experienced is Dr Michael Hurley in bloodstock insurance?

A: Dr Michael Hurley is a veterinary surgeon with over 35 years of international equine experience, an RCVS Advanced Practitioner in Equine Practice, and a full member of the Hong Kong Jockey Club with his own horse in training. He has been leading MGG's bloodstock division for over 10 years — making him one of the most qualified bloodstock insurance specialists in Asia.

What Our Clients Say

Trusted by Hong Kong Racehorse Owners & Syndicates

Daniel Foster

Hong Kong

^“MGG's team built a business insurance package that truly fits our operations in Hong Kong. From liability to employee protection, every detail was clearly explained. Their professionalism gave us confidence from day one. _“

Managing Director

James O’Brien

Hong Kong

^“Michael Hurley’s knowledge of the equine industry is exceptional. He doesn’t just arrange a policy — he explains exactly what the cover means for your horse and ownership structure. We now have complete confidence that we are properly protected. _“

Racehorse Owner

Sophia Bennett

Hong Kong

^“We needed urgent event cancellation and public liability cover for a corporate function in Hong Kong. The team arranged everything quickly and explained the risks clearly. Their service removed a huge amount of stress from the planning process. _“

Event Planner

Aarav Mehta

Hong Kong

^“Their medical insurance advice was clear, honest, and highly personalised. They helped us compare international plans and select the right family cover without overcomplicating the process. Excellent service throughout. _“

Private Client

Edward Collins

Hong Kong

^“Finding proper agreed-value cover for classic vehicles can be difficult, but Michael’s team made it seamless. The attention to detail and understanding of collector needs was outstanding. I wouldn’t insure my collection anywhere else. _“

Classic Car Collector

Oliver Hughes

Hong Kong

^“Their yacht insurance knowledge is second to none. From marina liability to storm damage risks, every aspect was covered thoroughly. When we needed advice during renewal, the support was immediate and highly professional. _“

Yacht Owner

We Have More
Than 5k Global Clients

What Our Business Clients Say

Trusted by Hong Kong Racehorse Owners & Syndicates

James O'Brien

Hong Kong

^“Michael Hurley's knowledge of the equine industry is exceptional. He doesn't just sell you an insurance policy — he explains exactly what the cover means for your specific horse and situation. After a difficult experience with a previous broker, MGG has been a revelation. We now have complete confidence that we are properly covered. _“

Racehorse Owner

Patricia Yuen

Hong Kong

^“As a first-time syndicate member, I had no idea what bloodstock insurance involved. Dr Hurley walked me through everything clearly and arranged our syndicate cover quickly and at a fair price. The fact that he is a vet himself gives you a completely different level of confidence. _“

Syndicate Member

David Walsh

Hong Kong

^“I purchased a horse at a major overseas auction and needed fall of hammer insurance arranged at short notice. MGG had cover in place before the sale began. Michael's responsiveness and expertise made the whole process seamless - I wouldn't use anyone else for bloodstock cover in Hong Kong. _“

Thoroughbred Buyer

We Have More
Than 5k Global Clients

Frequently Asked Questions

Bloodstock Insurance - Your Questions Answered

What is bloodstock insurance?

Bloodstock insurance is specialist insurance cover for thoroughbred and high-value horses. It typically covers mortality (death from any cause), theft, transit, loss of use and auction purchases. Unlike standard pet insurance, bloodstock policies are specifically designed for horses that represent significant financial investments - particularly racehorses and breeding stock.

Do I need bloodstock insurance for my HKJC racehorse?

While the HKJC does not make bloodstock insurance compulsory, racehorses in Hong Kong can be worth millions of Hong Kong dollars. Without cover, the full financial loss falls on the owner in the event of death, injury or compulsory retirement. We strongly recommend at minimum an All Risks Mortality policy for all horses running under the HKJC system.

What is 'Limited Loss of Use' and why is it important in Hong Kong?

Limited Loss of Use cover specifically protects Hong Kong horse owners against the HKJC's rules on compulsory retirement. If your horse is retired from racing due to recurring bleeding episodes or heart irregularities - conditions the HKJC takes seriously - this cover compensates you for the value of a horse that can no longer compete, even if it is otherwise healthy.

Can I insure my horse before I buy it at auction?

Yes. 'Fall of Hammer' insurance takes effect the moment the auctioneer's hammer falls — protecting your purchase immediately upon acquisition, before the horse has left the sale ring or completed any post-sale veterinary inspection. We arrange this cover for all major overseas thoroughbred auctions and the HKJC ISG sale.

How do I insure a horse as part of a syndicate?

We arrange individual cover for syndicate members, protecting each member's proportionate share of the horse's agreed value. Policies can be structured to cover all syndicate members under a single arrangement, or individually for each member. Contact Dr Michael Hurley to discuss your specific syndicate structure.

Can you arrange cover for a horse training or competing overseas?

Yes. We arrange international bloodstock cover for horses training, competing or being sold at auction outside Hong Kong — including in the UK, Ireland, Australia, Japan, France and the USA. Cover can be arranged on a per-journey basis or as an annual international policy.

How do I get a bloodstock insurance quote?

Contact Dr Michael Hurley directly at Michael.Hurley@mgginsurance.com, call (852) 2877 8006, or use the quote form on this page. We aim to respond to all bloodstock enquiries within 24 hours. For urgent requirements such as imminent auction purchases, please WhatsApp 852 6200 8638 directly.

What We Offer

OUR POPULAR SERVICES

At M.G. Geraghty, we combine decades of expertise with a personal approach to insurance broking. Whether you need cover for your business, your family, or something truly specialist — we find the right solution at the right price.