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.
Cover as unique as your business
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.
Keep a tight rein on risk with Cliverton riding school insurance
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.
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.
Many of our employees own their own horse or have enjoyed previous careers working with horses. So they know how to get you the right cover at the right price for your school.
- 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 £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 can we cover?
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. 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.
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 £5,000,000. But this can be extended to £10,000,000 for an additional premium.
Products Liability
Will cover 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 manufacturer’s own packaging.
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 or death of the horses under your care, custody and control.
Different levels of cover are available please contact us for more information.
Liveries (optional extra)
We can provide cover for DIY, Part and full liveries kept at your establishment.
Shows/Events/Pony camps and Riding holidays (optional extra)
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 property (optional extra)
We can cover your organisation’s property and equipment, from small items (such as leads and collars) to large (such as office equipment). 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?
Retail sales. Liability cover for any activity occurring outside of the United Kingdom or trekking centres/beach rides.
How much are the policy excesses?
Liability excesses
- Third party injury – Nil
- Third party property damage – £500
- Employers’ liability – Nil
- Products liability – Nil
- Care, custody & control – £500
Property excesses
- Buildings – £250
- Contents – £100
- Money – £100
- Business interruption – nil
- All other property claims – £100
- Personal accident – first 7 days of incapacity
