Don't let worries about what could happen rein in your riding school success. By taking out this specialist riding school insurance, you can rest assured that your business, employees and riders are all protected against unexpected events.
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If you’re a licensed riding school, we can help you to ride the ups and downs of equine business risk.
At Cliverton, we have over 50 years’ experience, and our specialist equine team speak fluent horse. Many of our employees own their own horse or have enjoyed previous careers working with horses. This means they know how to get you the right cover.
Riding schools may face liability claims from students, visitors or others who may be injured while on the premises or during a riding lesson. Such claims could result from accidents involving horses, falls or other incidents such as trampling or kicking.
This riding school insurance policy is suitable for clients who are looking to cover their public liability for running licensed riding schools. This is not suitable for those looking to run pony parties.
There are two main types of insurance you need if you run a riding school. Both are included in this riding school 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.
Licensed riding schools – where you are licensed by your local authority and operate under the Riding Establishments Act to provide lessons to your clients on your horses or those on a working livery.
We can also provide cover for tuition given in an enclosed arena in either small groups or on a 1-2-1 basis.
We can offer cover for those who offer a small amount of hacking - please contact us for more details.
Liveries
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.
Care, custody and control – Provides cover for your legal liability in the event of injury, illness or death of third party horses under your care, custody and control. Please contact us to discuss the different levels of cover available.
Please note, you do not require Care, Custody & Control cover for your own horses.
Liveries – we can provide cover for DIY, part and full liveries kept at your establishment.
Shows/events/pony camps and riding holidays – cover can be provided for liabilities arising from any shows or events held at your establishment. Accommodation cover can also be provided should you offer camps or holidays.
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.
Legal expenses - this is designed to protect you from unexpected legal costs arising from business risks. Find out more.
The following excesses are standard policy excesses. However, please refer to your schedule for specific excesses for your policy.
Property excesses
Terms of Business
Provision of Service Statement
Non Bloodstock Policy Wording
Non Bloodstock Key Facts
The public liability policy is underwritten by 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

“I joined Cliverton 10 years ago, I never thought I would enjoy a job as much as I do here after leaving a career in horses.
Joining the team as receptionist I’ve seen a large amount of change over the years. But one thing that has remained at the heart is our team. We are a very close-knit team who strive to do our best for our customers every day. We all know insurance is not something in life people enjoy - but I hope our team helps.
Outside of work, my interests still lie with horses and I try and get to the beach as much as I can with my boy Teddy.
At home I am slave to my two cats Sammy and Aurora who very kindly let me live with them. I am very lucky to live in the beautiful Norfolk countryside which I enjoy exploring with family and friends.”
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