From Equestrian Roots to Expansive Horizons: Kuda Insurance Brokers Delivers Tailored Solutions for Every Aspect of Your Life and Business.

Let’s face it: insurance often feels like a necessary evil—a grudge purchase we hope never to use – and a relief when it does need to be used. However, not all insurance is created equal. While many providers offer cookie-cutter policies that barely skim the surface, Kuda Insurance Brokers stands out by offering tailored insurance solutions. Whether you’re insuring a prized sport horse or a bustling business, the Kuda team goes beyond the basics, making them a trusted partner in the world of insurance. Equestrian Life chatted to the Kuda team to walk through their multifaceted offerings, demonstrating why they are the go-to choice not just for horse enthusiasts but for anyone seeking tailored insurance solutions.

Dialling Back to the Start. For the majority of equestrians, Kuda is a household name. This is probably because the company was originally established to cater specifically to the equestrian community after recognising a gap in the market for specialised horse insurance. Dawn Newman, who has part of the company for over 15 years, played a pivotal role in their segway into equestrian sports. Passionate about horses and well-versed in the unique risks associated with equestrian activities, Dawn saw an opportunity to create a tailored insurance solution for horse owners. Under the leadership of founder and CEO, Wehann Smith, Kuda started as a niche insurance provider, focusing primarily on bloodstock insurance and, a year later, sport horse insurance. Over the years, the company has evolved significantly, expanding their offerings (and team) to include a wide range of insurance products beyond the equestrian sector. This growth has been driven by a commitment to understanding the diverse needs of their clients and the insurance knowledge of the Kuda brokers who have helped establish the business as a comprehensive insurance provider while still maintaining their strong roots in the equestrian world.

A Holistic Approach to Insurance: Kuda has proven that they are no longer a business that caters exclusively to horse owners; they are a one-stop shop for all insurance needs. Their diverse clientele and product offering demonstrate their agility in the market. Dawn explains, “The Kuda team understands that our client’s needs go beyond their horses. Whether it’s their homes, vehicles, or even commercial businesses, we offer comprehensive policies that cover all aspects of their lives.” One standout feature of Kuda’s offerings is their holistic approach. The company can bundle various types of coverage into a single, convenient policy. A client with a livery yard might need more than horse insurance but also coverage for their home, stables, and vehicles. Kuda’s ability to offer a combined policy ensures that clients receive comprehensive tailored protection.

Specialised Knowledge and Competitive Rates: While Kuda’s offerings extend beyond the paddock, their detailed and sound understanding of the equestrian world allows them to offer specialised insurance products that are not typically available in the “short-term insurance” market. Dawn highlights this, saying, “We focus on areas like yard liability and truck insurance, which many insurers avoid because they simply don’t understand the risks involved.” For example, horse trucks are often misclassified as high-risk commercial vehicles by insurers unfamiliar with the equestrian industry. “These trucks are not like regular retail delivery trucks. Horse trucks are usually on the road only a few times a month, primarily for transporting valuable but low-risk cargo. With this knowledge, we have been able to negotiate better rates with insurers, providing clients with more affordable and accurate coverage,” mentions Dawn.

Expanding Beyond Equestrian Insurance: “We have expanded extensively on the insurance offerings we provide – it is far beyond just sport horses or bloodstock,” Dawn points out. “We offer everything from personal vehicle and home insurance to commercial insurance
for businesses. In fact, if you chat with Louise from our team, she will tell you that Kuda can even insure your artwork!” Kuda’s commercial insurance offerings are as diverse as their client base. They cover everything from restaurants and private art collections to wine farms and other specialised businesses. This versatility makes Kuda the preferred choice for clients looking for a comprehensive insurance solution.

Tailored Solutions for Unique Needs: Kuda’s commitment to understanding and meeting the unique needs of their clients is evident in the specialised products they can provide. One notable offering, briefly touched on earlier, is yard liability insurance, which covers unique scenarios often overlooked. Dawn provides an example: “Imagine a scenario where a horse escapes from a yard and causes an injury to a passerby. Many insurers shy away from offering cover for these incidents, but we offer a tailored product specifically for these risks.”This deep understanding and specialisation are what set the Kuda team apart from other insurance brokers. If you have an insurance need, a member of the Kuda team will work through your requirements and carefully structure a policy that caters to your specific requirements. They might just pop over to give you a thorough consultation and help you identify gaps in your current insurance policies.

A Trusted Partner in Your Corner: Let’s face it: finding the right insurance can often feel like navigating a maze, especially when you have diverse needs that go beyond the norm. “We want people to know that they can trust us for all their insurance needs, whether they’re related to horses or not,” says Dawn.
“Our expertise and holistic approach ensure that we can provide the best possible coverage for every client. When you talk to Kuda you are always talking to real people.” Bottom line? With a comprehensive range of products and a deep understanding of their clients’ needs, Kuda is a versatile and proven choice for anyone seeking insurance coverage. It’s not just about providing insurance—it’s about being a trusted partner, ready to support you through every step of the journey.

For more information please visit https://kuda.co.za/