
Pony parties are a fun and unique way to celebrate a special occasion - but they do not come without risk. With this specialist pony party insurance, you can rest assured and saddle up.
GET A QUOTEFrom pony rides to pony-themed crafts, pony parties are packed with fun activities and games but safety always has to be the top priority to ensure all your ‘precious cargo’ riders stay safe and secure at all times.
At Cliverton, we’re as passionate about ponies as we are insurance, with more than 50 years’ experience in sourcing specialist insurance. Many of our team are pony and horse owners ourselves and you can rely on us to find you the right cover at the right price.
This insurance policy is suitable for those looking to cover their public liability for running pony parties. It is not suitable for those looking to run a licensed riding school or cover vet fees for their ponies.
There are two main types of insurance you need if you run a pony party business. Both are included in this insurance policy.
Public liability – this public liability cover will protect you from any legal liability which may arise from the actions of you or an employee resulting in injury to a third party or damage to their property. We can offer cover up to a limit of £5 million, but this can be extended to £10 million for an additional premium.
Products liability – this covers the business for the same amount as the selected Public Liability if injuries or damages arise as a result of a defective product that your business supplies. Please note that this does not cover you for the sale of products, please contact us for more information about retail sales.
Please note that we require you to have up-to-date risk assessments before we can place any cover.
This policy will cover public liability for those running pony parties with their own ponies or donkeys from their own property or at an external venue. Ridden cover for walking on lead rein is available at an additional premium.
Employers’ liability – if you have paid, voluntary or self-employed helpers working for your business, you are legally required to have this insurance. This will provide cover should a helper get injured and you are deemed liable. The amount of cover provided is £10 million.
If you have or are thinking about having school age work experience, please contact us.
Legal expenses - this is designed to protect you from unexpected legal costs arising from business risks. Find out more.
Equipment and commercial buildings – cover for your organisation’s property and equipment. This can include handheld small items to larger pieces of furniture and machinery. We are also able to source cover for commercial premises, business interruption and theft of money. Please contact us to request a proposal form for any equipment and property cover.
Ridden actvities - Cover for ridden pony parties should you wish to offer this service.
The following excesses are standard policy excesses. However, please refer to your schedule for specific excesses for your policy.
Liability excesses
Property excesses
Terms of Business
Provision of Service Statement
Non Bloodstock Policy Wording
Non Bloodstock Key Facts
The Public Liability policy may be underwritten by Aspen Managing Agents Ltd, syndicate 4711 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 Legal Expenses Insurance Company Limited.
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

As a gamekeeper’s daughter, I have a strong rural background and enjoy attending shoots and going to the local races in Fakenham. My two dogs Pip and Milo (also known as Smilo!) love to go for walks on the beach and around the farm where I live. We also like to venture further afield, with one of our favourite places being the lake district!
I’m have previously volunteered for many charities, so I love the fact that as part of the Benefact Group, we give all our available profits to charities and good causes
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