Freelance Grooms Insurance

From only £221.08 per year

Or 9 monthly payments of £27.02 (total repayable £243.18)

Enquire Now

Freelance Grooms Insurance

From only £221.08 per year Or 9 monthly payments of £27.02 (total repayable £243.18)

Enquire Now

This policy provides bespoke cover for freelance grooms who offer groom services including the clipping of horses, riding & exercising as part of their business. The policy will automatically provide you with peace of mind should you be responsible for causing injury to the horse whilst it is in your care.  We are also able to arrange cover for the transporting of horses where this forms part of your business.

This product is suitable for people and businesses who wish to cover their liability to the public whilst carrying out their activities as a freelance groom for which they receive a form of income.

What's Included
  • Public Liability £5,000,000
  • Care, Custody & Control £10,000
  • Public Liability £10,000,000
  • Employers' Liability £10,000,000
  • Transport of Horses
  • Legal Expenses (separate policy)
  • Public Liability £5,000,000
  • Care, Custody & Control £10,000
  • Public Liability £10,000,000
  • Employers' Liability £10,000,000
  • Transport of Horses
  • Legal Expenses (separate policy)


Public Liability

This covers claims arising from the actions of you or an employee which has resulted in injury to a third-party or damage to their property due to your negligence.

The standard limit is £5,000,000; this can be extended to £10,000,000 for an additional premium.

Products Liability

This section of the policy covers you for claims arising from products supplied by you during the course of your business activities.

The limit of £5,000,000 is standard and is included as part of the Public Liability for no additional charge

Care, custody & Control £10,000

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

The limit for this is £10,000 any one horse and £100,000 in aggregate.

Employers' Liability (optional extra)

Where you have paid, voluntary or self-employed helpers working for you in connection with your business, it is a legal requirement that you have Employers’ Liability insurance.

This will provide cover in the event of them being injured whilst working for you due to your negligence.

If you have or are thinking about having school age work experience please contact the office.

The amount of cover provided is £10,000,000

Legal Expenses (optional extra)

This is a separate policy running alongside your main business policy and will provide cover unexpected Legal Expenses relating to your business. These could relate to employment disputes, property and landlord disputes, contract disputes, tax protection or regulatory compliance and much more.

It also provides a 24 hour legal and tax advice helpline along with an online hub of document and contract templates

What is not covered?

  • Any horse owned by the insured
  • Any damage to the insured’s own property
  • Any injury to the insured
  • Commercial horse transporter
  • Any work outside of the United Kingdom
  • Any excess applicable


The following excesses are applicable to the business policy only.

Liability Excesses

  • Public Liability
    • Third party injury – Nil
    • Third party property damage – £100
    • Care, custody & Control  – £250
  • Employers’ Liability  – Nil

For the excesses applicable to the Legal Expenses policy please click here


Service Statement

Terms of Business

The Public Liability policy is underwritten by Aspen Insurance UK Limited.

Insurance product Information Document 

Equipment & Property is underwritten by Ecclesiastical Insurance Office plc.

Equipment & Property Key Facts

Legal Expenses Policy is underwritten by Markel International Insurance Company Limited.

Legal Expenses – Key Facts

Legal Expenses Policy Wording


What our customers think

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