Equine assisted therapy insurance

Policy information

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.

What insurance do I need?

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.

Please note that we require you to have up-to-date risk assessments before we can place any cover.

Important information for this policy

DBS checks are required for all employees of the business
Horses must have been risk assessed, be over four years old and must be owned by yourself – no other animals are included
You should have experience of working with children and/or vulnerable adults
You must have a licence if required by your local authority or proof that the council have advised that you do not require one
We will ask you for details of your horses that you intend to use including age, breed, temperament and height

What optional extras can I add?

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.

How much are the policy excesses?

Public liability
• Third party injury – nil
• Third party property damage – £500
Products liability – £500
Employers’ liability – nil

Property and equipment

Buildings – £250
Contents – £100
All other property claims – £100

IMPORTANT INFORMATION

Terms of Business
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Provision of Service Statement
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Non Bloodstock Policy Wording

Non Bloodstock Key Facts

The liability cover maybe underwritten by Aspen Insurance UK services or Markel International Insurance Company Ltd.
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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 Legal Expenses Insurance Company Limited.

Legal Expenses Policy Wording
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Important information about our direct debit payment option

Insurance terms explained

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 wanted to say thank you so much for your fantastic service all these years.
I’ve always had super service.”

Mrs Jessica Gartside

Equine assisted therapy

Cover as unique as your business

Healing with horses is your passion and your livelihood. Insuring your equine business is ours.

Policy information

Meet Katy, Divisional Director, Head of Cliverton and horse lover

GUIDE
How to work safely with horses and vulnerable children and adults

NOT READY TO BUY?

Did you know we also sell home insurance?

CONTACT US

LEGALS

Equine assisted therapy

Cover as unique as your business

Healing with horses is your passion and your livelihood. Insuring your equine business is ours.

Policy information

Meet Katy, Divisional Director, Head of Cliverton and horse lover

GUIDEHow to work safely with horses and vulnerable children and adults

NOT READY TO BUY?

Did you know we also sell home insurance?

CONTACT US

LEGALS

GUIDE
How to work safely with horses and vulnerable children and adults