Therapy and healing are what you do. Business care and cover are what we do to assist you.
When horses are the heart of your holistic healing business, you need specialist equine business insurance to protect it. That’s why you should choose a broker who loves and understands how important horses are as much as you.
GET A QUOTE & BUYThe healing power of horses should never be underestimated. Treating anxiety, ADHD, eating disorders, addiction, depression, and other mental health conditions through equine-assisted therapy can be life-changing. So, while you’re busy helping and healing, you need the reassurance that your business is in safe hands too.
With over 50 years’ experience providing insurance for specialist equine businesses, Cliverton will ensure you have one less thing to worry about. An equine-assisted therapy policy provides the protection you need for your liability to the public.
As a team of horse lovers, we are committed to helping you find the right cover for your business so that you can spend your time helping others.
This insurance policy is suitable for those who require public liability insurance for an equine assisted therapy/equine assisted learning business. It is not suitable for those who require cover for ridden sessions that are not part of the therapy, such as teaching someone to ride or improve their riding.
There are two main types of insurance you need if you run an equine assisted therapy business. Both are included in our equine assisted therapy insurance policy.
Public liability – designed to protect you against liability claims for injury caused to third parties or damage to their property as a result of your negligence. For instance, if a horse escapes and bites a member of the public.
The standard limit is £5 million, but it can be extended to £10 million for an additional premium.
Products liability – this covers the business up to £5 million if injuries or damages arise as a result of a defective product that your business had supplied.
Employers’ liability – if you have paid, voluntary or self-employed helpers working for your business, you are legally required to have this insurance as this will provide cover should they suffer an injury while at work. The amount of cover provided is £10 million.
Equipment and property – we can cover your business’ property and equipment, from small items to large. We are also able to arrange cover for commercial premises, business interruption, theft of money and your home. If you also need cover for equipment or property damage, please contact us. If you are running your business from your own home, we recommend that you notify your home insurer.
Personal Accident - provides financial compensation if the insured party is unable to work due to an injury lasting for more than 7 days. Our stand-alone Cliverton Protect policy, to which you can also add sickness cover, offers benefits like 24/7 worldwide coverage. We can offer various levels of cover to suit you and your business so please either call or email the team to discuss your options.
Please note that this does not cover any pre-existing conditions or illness.
Legal expenses - this is designed to protect you from unexpected legal costs arising from business risks. Find out more.
Property and equipment
Terms of Business
Provision of Service Statement
Non Bloodstock Policy Wording
Non Bloodstock Key Facts
The liability cover maybe underwritten by Certain Underwriters at Lloyd's or Markel International Insurance Company Ltd.
Equipment and property is underwritten by Ecclesiastical Insurance Office plc.
Commercial Combined Key Facts
Combined Liability Policy Wording
Legal expenses policy is underwritten by ARAG plc.
Legal Expenses – Key Facts
Legal Expenses Policy Wording
Important information about our direct debit payment option
We want to make sure that you understand the necessary insurance terms found within our website. This summary should explain anything that you may be unsure of.
Negligence – failure to take proper care
Premium – cost of the insurance policy
Excess – the first part of any claim payable by you
Business interruption – provides cover for loss of income following damage to the premises from which you work. It does not provide cover for pandemics
Incapacity – inability to carry out activities
Liability – legal responsibility
Benefit – payment made
Compensation – payment made in recognition of loss or injury
Non-invasive – does not penetrate the skin
Banned breed – dogs which are illegal in the UK: American Pit Bull Terrier, Dogo Argentino, Japanese Tosa, Fila Brasilerio and XL Bully.
Indemnity – covers compensation for loss or damage
Common ownership – the use of land by one or more people, which is owned by someone else
DWAA – Animals listed on the Dangerous Wild Animals Act 1976
I’m Scarlett and I’m 28 years old and have lived in Norfolk my whole life. I currently work within the equine department here at Cliverton and have grown up around horses since a child which has really helped me understand the needs of our customers.
In my spare time, I ride horses, walk my dogs (Rolo & Arnie), study for a psychology degree at university and enjoy reading.
EMAIL SCARLETTOR CALL 01328 857921Set up a reminder and we will contact you when you are ready.
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