This insurance policy is suitable for yard owner’s private premises as well as those providing services, such as livery yards (grass, DIY, part or full-livery service).
You’re in the ‘mane’ place for livery yard insurance
As a livery yard owner, you’re responsible for the care of the cherished horses boarded on your property. While you probably deliver the job with plenty of passion, it doesn’t come without risk and proper insurance is a critical investment.
From a horse which is injured while under your care, to possible claims from horse owners or visitors who are injured on your premises. Employees who might be injured while performing their duties, liability is a very real risk. Fire or storm damage might also mean you are unable to operate your yard until repairs are made.
With over 50 years’ experience in the industry and expertise in insuring equine businesses, we speak your language. We’ll provide the right specialist cover at the right price – and be there to handhold should the worst happen and you need to claim.
- Public Liability £2,000,000
- Products Liability £2,000,000
- Public Liability £5,000,000
- Products Liability £5,000,000
- Public Liability £10,000,000
- Products Liability £10,000,000
- Employers' Liability £10,000,000
- Care, Custody & Control £5,000, £10,000, £25,000 or £50,000 (maximum value any one horse)
- Property damage including stabling, riding tack, rugs and saddlery, straw, bedding and feedstuffs etc.
- Trailers (excluding motorised vehicles)
- Computer and office equipment
- Cups and trophies
- Public Liability £2,000,000
- Products Liability £2,000,000
- Public Liability £5,000,000
- Products Liability £5,000,000
- Public Liability £10,000,000
- Products Liability £10,000,000
- Employers' Liability £10,000,000
- Care, Custody & Control £5,000, £10,000, £25,000 or £50,000 (maximum value any one horse)
- Property damage including stabling, riding tack, rugs and saddlery, straw, bedding and feedstuffs etc.
- Trailers (excluding motorised vehicles)
- Computer and office equipment
- Cups and trophies
POLICY INFORMATION
What is covered?
Public Liability for yard owners providing services, such as livery yards (grass, DIY, part or full-livery service).
We can also cater for other types of yard, including private stables, training establishments, competition yards and studs.
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. Cover limits available include £2 million, £5 million and £10 million.
Products Liability
This covers your business if injuries or damages arise as a result of a defective product that your business had supplied, such as hay, bedding or feed.
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 be injured while at work.
Care, Custody & Control (optional extra)
Provides cover for your legal liability in the event of injury, illness or death of the horses under your care, custody and control.
Different levels of cover are available please contact us for more information.
Shows / Events (optional extra)
Cover can be provided for liabilities arising from any shows or events held at your establishment.
Hire of Facilities (optional extra)
Should you hire out your establishments facilities we can cover your public liability for this.
Onsite Riding Instruction (optional extra)
If you offer instruction with your clients horses /or on your own horses (subject to licencing requirements) we can offer you cover.
Equipment and property (optional extra)
We can cover your organisation’s 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
What is excluded?
Trekking centres, businesses with driving as the main activity and any activity outside of the UK, Northern Ireland and the Channel Islands. Retail sales. Any excesses applicable.
How much are the policy excesses?
The following excesses are applicable to the business policy only.
Liability Excesses
- Third party injury – Nil
- Third party property damage – £500
- Employers’ liability – Nil
- Products liability – Nil
- Care, custody & control – £500
- Property/Buildings – £250
- Other equipment – £100
Property excesses
- Buildings – £250
- Contents – £100
- Money – £100
- Business interruption – nil
- All other property claims – £100
- Personal accident – first 7 days of incapacity
