Freelance Grooms Insurance

From only £199.20 per year (monthly payment options available)

Enquire Now

Freelance Grooms Insurance

From only £199.20 per year (monthly payment options available)

Enquire Now

This insurance policy is suitable for those working as a freelance groom or instructor and are looking to cover their public liability, as well as looking to protect the horses in their care.

What's Included
  • Public Liability £5,000,000
  • Care, Custody & Control £10,000
  • Public Liability £2,000,000 or £10,000,000
  • Employers' Liability £10,000,000
  • Transport of Horses
  • Public Liability £5,000,000
  • Care, Custody & Control £10,000
  • Public Liability £2,000,000 or £10,000,000
  • Employers' Liability £10,000,000
  • Transport of Horses


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 in your care gets spooked, runs off and injures a member of the public.

The standard limit is £2 million, but it can be extended to £5 million or £10 million for an additional premium.

Products Liability

This covers your business up to £2 million if injuries or damages arise as a result of a defective product that your business had supplied.

Care, custody & Control £10,000

Cover is provided for any claim made against you for either injury or death of a horse while in the care, custody or control of you or an employee.

Employers' Liability (optional extra)

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 injure themselves while at work. The amount of cover provided is £10 million. If you have or are thinking about having school age work experience, please contact us.

Competing on clients horses (optional extra)

We can cover you to compete your clients horses.

Equine Transport (optional extra)

Should be asked to run your clients horse to the vets for a routine visit, we can offer cover for this service provided it is within and the UK.

What is excluded?

Any horse owned by the insured, any damage to the insured’s own property, any injury to the insured, any work outside of the UK or any excess applicable.

How much are the policy excesses?

The following excesses are applicable to the business policy only.

Liability Excesses

  • Public liability
    • Third party injury – nil
    • Third party property damage – £500
    • Care, custody & control  – £250
  • Employers’ liability  – nil


Terms of Business LBSD v20 06.07.23

CLIVERTON_Provision of Services Statement 03.07.23

The Public Liability policy is underwritten by Certain Underwriters at Lloyd’s.

Commercial Combined Key Facts 

Equipment & Property is underwritten by Ecclesiastical Insurance Office plc.

Commercial Combined Policy Wording

Legal Expenses Policy is underwritten by ARAG plc.

Legal Expenses – Key Facts

Legal Expenses Policy Wording


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