Halo ai and Markel Launch the Next Generation of Equine Insurance and Performance Prediction
Halo launched on November 4, 2025 as an AI-powered equine performance predictor and embedded insurance platform developed with reinsurance broker Guy Carpenter and underwriter Markel (MKL). Halo offers event-based micro-duration policies such as Race-Day Cover and Fall of Hammer Cover linked to live valuations and AI risk scores. The platform is powered by Hailey, a GPT-based bloodstock agent for sales, breeding and race planning guidance. The company cites a 2023 equine insurance market of £450–475m and a forecast of £1.3–1.5bn by 2031–33. Launch begins in the UK and Ireland in autumn 2025 with expansion to Europe, APAC and North America in 2026.
Halo è stato lanciato il 4 novembre 2025 come predittore delle prestazioni equine alimentato da IA e piattaforma di assicurazione integrata sviluppata con il broker di riassicurazione Guy Carpenter e l'assicuratore Markel (MKL). Halo offre polizze micro-durata basate su eventi, come Race-Day Cover e Fall of Hammer Cover, collegate a valutazioni in tempo reale e punteggi di rischio AI. La piattaforma è alimentata da Hailey, un agente di sangue zodiacando GPT-based per vendite, allevamento e pianificazione delle corse. L'azienda cita un mercato assicurativo equestre del 2023 di £450–475m e una previsione di £1,3–1,5bn entro il 2031–33. Il lancio partirà dal Regno Unito e dall'Irlanda nell'autunno 2025 con l'espansione in Europa, APAC e Nord America nel 2026.
Halo se lanzó el 4 de noviembre de 2025 como un predictor de rendimiento equino impulsado por IA y plataforma de seguros integrada desarrollada con el corredor de reaseguros Guy Carpenter y el asegurador Markel (MKL). Halo ofrece pólizas de microduración basadas en eventos, como Race-Day Cover y Fall of Hammer Cover, vinculadas a valoraciones en vivo y puntajes de riesgo de IA. La plataforma está impulsada por Hailey, una agente de bloodstock basada en GPT para ventas, cría y planificación de carreras. La empresa cita un mercado de seguros equinos de 2023 de £450–475m y una previsión de £1.3–1.5bn para 2031–33. El lanzamiento comienza en el Reino Unido y en Irlanda en otoño de 2025 con expansión a Europa, APAC y Norteamérica en 2026.
Halo는 2025년 11월 4일에 AI 기반의 말의 역량 예측 및 내장 보험 플랫폼으로 출시되었으며 재보험 중개사 Guy Carpenter와 언더라이더 Markel (MKL)과 함께 개발되었습니다. Halo는 Race-Day Cover 및 Fall of Hammer Cover와 같은 이벤트 기반의 마이크로-기간(políticas)을 실시간 가치 평가 및 AI 위험 점수와 연결해 제공합니다. 이 플랫폼은 판매, 번식 및 경주 계획 지침을 위한 GPT 기반 혈통 에이전트 Hailey가 구동합니다. 회사는 2023년 말 말 보험 시장을 £450–475m로 인용하고 2031–33년까지 £1.3–1.5bn의 전망을 제시합니다. 2025년 가을에 영국과 아일랜드에서 출시를 시작하고 2026년에는 유럽, APAC, 북미로 확장합니다.
Halo a été lancé le 4 novembre 2025 comme prévisionnaire de performance équine alimenté par l'IA et plateforme d'assurance intégrée développée avec le courtier en réassurance Guy Carpenter et le souscripteur Markel (MKL). Halo propose des polices micro-durées basées sur des événements telles que Race-Day Cover et Fall of Hammer Cover, liées à des valorisations en direct et à des scores de risque IA. La plateforme est animée par Hailey, une agente de bloodstock basée sur GPT pour la vente, la reproduction et la planification des courses. L'entreprise cite un marché d'assurance équine de 2023 de £450–475m et une prévision de £1,3–1,5md d'ici 2031–33. Le lancement commence au Royaume-Uni et en Irlande à l'automne 2025, avec une expansion en Europe, APAC et Amérique du Nord en 2026.
Halo wurde am 4. November 2025 als KI-gestützter Leistungsprognose-Tool für Pferde und eingebettete Versicherungsplattform gestartet, entwickelt mit dem Rückversicherungsbroker Guy Carpenter und dem Underwriter Markel (MKL). Halo bietet Ereignis-basierte Mikro-Dauerpolicen wie Race-Day Cover und Fall of Hammer Cover, verknüpft mit Live-Bewertungen und KI-Risiko-Scores. Die Plattform wird von Hailey, einer GPT-basierten Bloodstock-Agentin, für Verkauf, Zucht und Renneplanung betrieben. Das Unternehmen nennt einen equinen Versicherungsmarkt von 2023 in Höhe von £450–475m und eine Prognose von £1,3–1,5bn bis 2031–33. Der Start erfolgt im Herbst 2025 im Vereinigten Königreich und Irland, mit einer Expansion nach Europa, APAC und Nordamerika im Jahr 2026.
Halo أُطلق في 4 نوفمبر 2025 كمتنبئ أداء بخيول مدعوم بالذكاء الاصطناعي ومنصة تأمين مدمجة طورت مع وسيط إعادة التأمين Guy Carpenter والمؤمّن Markel (MKL). تقدم Halo سياسات قصيرة الأجل قائمة على الحدث مثل Race-Day Cover وFall of Hammer Cover مرتبطة بتقييمات مباشرة ودرجات مخاطر الذكاء الاصطناعي. تشغّل المنصة Hailey، وكيل سلالات خيول قائم على GPT للإرشاد في البيع والتربية وتخطيط السباقات. تدّعي الشركة وجود سوق تأمين خيول قدره £450–475m في 2023 وتوقعاً بـ £1.3–1.5bn بحلول 2031–33. يبدأ الإطلاق في المملكة المتحدة وأيرلندا في خريف 2025 مع توسيع إلى أوروبا وAPAC وأمريكا الشمالية في 2026.
- Partnership with Markel and Guy Carpenter
- Micro-duration policies (Race-Day and Fall of Hammer) introduced
- AI agent Hailey integrated for sales, breeding and race planning
- Cites market growth to £1.3–1.5bn by 2031–33
- Initial launch limited to UK and Ireland in autumn 2025
- Current equine insurance market cited as relatively small at £450–475m (2023)
Insights
Markel-backed Halo launches AI-driven micro-duration equine insurance and predictive tools, introducing dynamic pricing and new distribution use-cases.
Halo pairs real-time predictive analytics with embedded, event-based insurance to underwrite very short-duration exposures such as single-race cover and "Fall of Hammer" protection. The offering links AI-generated risk scores and live valuations to pricing, which changes the unit economics of pricing short, high-frequency policies and shifts risk assessment from static rules to data-driven probabilities.
The model depends on the accuracy and governance of the underlying AI, the quality of live data feeds, and the terms set by reinsurers and underwriters such as Markel and Guy Carpenter. Operational risks include data gaps at point of sale, liability definitions for micro-duration events, and regulatory acceptance across jurisdictions. Reinsurance capacity and contract language will influence capital treatment and loss transfer.
Watch the roll-out timing and geographic expansion closely: the platform "will launch in the UK and Ireland this autumn, with expansion into Europe, APAC and North America in
Unlike traditional offerings, Halo integrates real-time predictive analytics with embedded, flexible cover to deliver protection that finally matches how the industry actually operates.
New Micro-Duration Insurance Products
Halo introduces event-based, micro-duration policies tailored to owners, syndicates, and buyers:
- Race-Day Cover - insuring a horse for a single race, from when it leaves the yard until its safe return, or even just from the parade ring to the finishing post.
- Fall of Hammer Cover - providing instant protection from the moment a yearling is purchased in the sales ring until it arrives securely at its new home yard.
By linking these products to AI-driven risk scores and live valuations, Halo enables insurers to price dynamically and fairly, delivering a completely new level of flexibility.
Powered by Hailey: The AI Bloodstock Agent
Underpinning Halo is Hailey, a GPT-based AI agent built exclusively for Halo users. Hailey operates like the most advanced bloodstock advisor on earth, powered entirely by data, not instinct. Hailey can make highly qualified sales recommendations, breeding pairings, and race planning decisions, offering insights beyond the reach of even the most experienced human agents.
Market Context & Expansion
The global equine insurance market is currently estimated at around
Neil Sands, Founder of Halo, said:
"This is about reinventing equine insurance and ownership for the modern era. Through our work with Guy Carpenter and Markel, we're introducing products that match the way horses are actually bought, sold, and raced. Whether it's protecting a yearling the instant the hammer falls or covering a horse only for the few minutes it's on track, Halo delivers immediate, intelligent cover - and Hailey ensures those decisions are guided by the best data available."
Juliet Redfern, Divisional Managing Director – Equine & Livestock, Markel, added:
"The combination of artificial intelligence and equine insurance has the potential to transform how horses are valued and protected. We are delighted to be supporting Halo as it brings a new dimension of transparency and innovation to the market."
Halo is already developing extensions into other insurance verticals and predictive AI applications in aviation and marine, with further partnership announcements to follow. The platform will launch in the
About Halo
Halo is an AI-driven insurtech platform designed for the equine industry. By combining predictive analytics, performance modelling, and embedded insurance, Halo delivers real-time risk insights and tailored protection for horse owners, trainers, and insurers. Its proprietary AI agent, Hailey, provides advanced sales, breeding, and race planning recommendations, making Halo the new intelligence layer for bloodstock. Halo is part of the Fox Design venture studio.
About Markel Insurance
Markel Insurance is a leading global specialty insurer with a truly people-first approach. As the insurance operations within the Markel Group Inc., we leverage a broad array of capabilities and expertise to create intelligent solutions for the most complex specialty insurance needs. However, it is our people – and the deep, valued relationships they develop with colleagues, brokers and clients – that differentiate us worldwide.
Contact:
Neil Sands, CEO
️neil@letsgohalo.com
www.Halo.com.ai
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SOURCE Halo AI Technologies
FAQ
What did Halo announce on November 4, 2025 regarding equine insurance?
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How is Markel (MKL) involved with Halo's new platform?
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