Equestrian Buildings & Contents Insurance
Stables, tack and feed; protection all under one roof with equestrian buildings and contents insurance.
Protection All Under One Roof
Livery yards and private stables can be a haven for those who work or keep their horses there. But a lot of time, effort, equipment and machinery go into maintaining these environments, without which the whole operation could be thrown into complete chaos.
From small stable outfits to state of the art equestrian centres – it doesn’t matter to us at whether you’re one or the other, or somewhere in between. What matters to us is that if you’re affected by fire, flood or theft, you have already taken measures to help rebuild, refit and restock, so that peace can once again be restored.
All this will be done with the guidance of experts who literally know equine premises inside out, from indoor arenas to cross country courses.
- Wide range of perils covered including fire, theft, malicious damage, flood and storm
- All yard buildings of both standard and non-standard construction
- Accidental damage available
- Subsidence available
- Field shelters & horse walkers
- Walls, gates & fencing
- Contents including machinery, ATVs, feed & forage, saddlery & tack (including clippers and rugs)
- All risks cover for items away from your premises
- Business interruption
- Money cover
- Livestock
- Property owners liability
Stable Buildings
Far more than just a shelter, your stables are the epicentre of feeding, training and caring for your horses. Equipment, feed, other equestrian supplies and the buildings themselves would cost a lot to replace and the right insurance helps ensure you can do so.
In receiving payment for the care of other people’s horses, you become in part responsible and liable, for their welfare. A policy arranged by Shearwater can include the option of livery yard liability including care, control and custody for all the horses on your premises.
Saddlery & Contents
It’s little wonder that theft of saddlery, tack and general equestrian supplies is rife. These items may be small, but they’re expensive, especially if custom made. If this equipment is stolen or irreplaceably damaged, you can be back in the saddle much sooner with the right insurance in place.
Equestrian contents and machinery are very specific, from small items like rugs to large machinery including horse walkers and generators. These and your finances, can all be protected, extending to include staff accommodation contents if required.
Tools & Forage
It can take a number of years for you to build up a good stock of jump equipment, such as water troughs, harrows, fencing tools and more. Each item can be covered under your insurance so if your highly valuable tools are stolen, or your carefully constructed jumps have been damaged in a fire, flood or storm, they can be covered under the same policy.
A well fed horse is a happy horse. It may be a basic principle, but it can still be insured, especially considering how much a stockpile of hay, feed and other comfort like shavings or straw for bedding can amount to.
Large Equestrian Venues
Such a building can present a multitude of insurance scenarios under one roof – public liability for on-site cafes, tack shops or event cover for shows to name just a few. But insurance arranged by Shearwater can help cover it all.
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When the wheels fell off my lorry the Shearwater team were incredible. They called to check up on me, they arranged recovery and when the lorry was deemed a write off I was even given the option of keeping the scrap or not.
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Shearwater not only provided a much more comprehensive policy but at an incredibly competitive price. Everything was very simple.
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We've insured with Shearwater for a number of years and have always been very impressed with the customer service, claims handling, and competitive pricing. I've now moved all of our business and personal polices to Shearwater
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I have found Shearwater to be responsive and flexible in providing me and my company with individually tailored insurance packages to cover exactly what I need, at very competitive prices.
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We have worked with shearwater for many many years now! We use them for everything from our horses to our cars, our yard liability to the home insurance... They are a great company to deal with, both in terms of competitive rates and their customer services. I would highly recommend anyone looking at insurance to get in touch with them
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I have insured a few horses with shearwater over the years and have always been very impressed. The team on the phones are super helpful and they have always been great at paying out any claims. I wouldn’t hesitate to recommend their service to any of our Members
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What can we say about Shearwater? As an insurer if you want the best cover then you need to be with Shearwater. Their service is second to none and their staff are always friendly, knowledgeable and there to help you, nothing is too much trouble.
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It is a comfort to know that the horses are Insured with Shearwater. They are a professional but friendly company, competitive and knowledgeable. On the claim we had they were fast and efficient and nothing was too much trouble. Would happily recommend Shearwater Insurance, especially as they have such a vast range of options from everything equine to travel and household.
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Shearwater is our absolute go-to for all of our insurance needs from house, yard and horse, to cars and liabilities. The team in the office are easy to talk to and they actually take the time to get to know you as a client. Most importantly, when you need to claim for something, they are quick and listen to your needs, making the whole process much less stressful in your hour of need. We wouldn't use anyone else!