Riding School Insurance

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Riding School Insurance

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Our policy is aimed at clients who run licensed riding schools, where tuition is given in an enclosed arena in either small groups or on a 1-2-1 basis. Hacking can be considered under the policy, but only as an incidental activity, as we are not able to provide cover for trekking centres.

What's included
  • Public Liability £10,000,000
  • Products Liability £10,000,000
Optional
  • 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 £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 can we 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.

  • Riding Clubs

For clubs where public liability cover is required for organised events, for both members and non-members, including social and fund raising activities.

Public Liability

Covers legal liability arising from the actions of you or an employee resulting in injury to a third party or damage to their property up to a limit of £10,000,000.

Products Liability

Covers your legal liability for injury, loss or damage caused by products used by you for your client. This could include hay, bedding or feed, which must be supplied in the manufacturers own packaging.

Automatically included as part of the public liability cover. Does not relate to retail sales.

Employers' Liability (optional extra)

If you have either paid, voluntary or self-employed helpers working under your instruction it is a legal requirement to have employers’ liability cover. This provides cover for your legal liability towards your employees should they sustain an injury whilst working for you in connection with your business.

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 for the maximum value of any one horse; £5,000, £10,000, £25,000 or £50,000.

What's not included?

•Trekking Centres
•Businesses where driving is the main activity.
•Any activity occurring outside of the United Kingdom, Northern Ireland or the Channel Islands.

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

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