To insure or not to insure? That is the question. The costs of owning horses spiral upwards without the cost of insuring, but can you cover the unexpected costs should the worst happen? Some insurances are mandatory, but others are optional, do you know which policies you need?
If you have a lorry or trailer to transport your horse then insurance is an important matter to you. It can be confusing as to what is included in your policy so the team at Shearwater are on hand to help you out.
What kind of insurance do I need for my horsebox?
Horsebox insurance varies however the majority of people choose to take out a fully comprehensive policy. Shop around to ensure your cover fits all of your requirements and look at the excess you will be paying to ensure it is affordable in the event of a claim.
As we enter a new phase in our return to 'normality' many businesses look at how they may get their employees back into the workplace and start to welcome back customers. The COVID-19 pandemic has changed many aspects of the current workplace, and hygiene and cleanliness are key topics when creating post-coronavirus workplace plans.
Being prepared, creating and effective plan and taking the necessary steps to ensure workplace preparedness, employers can help prevent the spread of COVID-19 and protect the health and safety of their employees.
Our team are pleased to share a return to the workplace checklist for those looking for an extra helping hand.
As lockdown conditions begin to ease across the country many equestrians will take the chance to increase their level of activity and get back to training. Governing bodies are also looking to resume competition as soon as possible, and numerous riding schools and training venues are looking to re-open their facilities. At Shearwater Insurance our team are frequently asked how these changes in Government policy may affect their current insurance policies and those policies that are included as member benefits, such as our British Dressage members insurance.
The following information takes guidance from our underwriters and British Equestrian.
As businesses around the world start to feel the effects of the COVID-19 crisis, and we recognise that businesses start to enter "survival mode", their cover requirements and budgets have radically changed.
That's why we have developed a heavily discounted insurance proposition, aimed at the Leisure and Hospitality industry, which provides the basic minimum cover required to enable businesses to meet their legal insurance requirement, whilst still helping to protect them from catastrophic loss.
We've also arranged for a 3-month free subscription to healthandsafetyclick for all of our commercial clients.
The spread of Coronavirus (Covid-19) has made it an incredibly difficult time for families and businesses. In order to address the current situation and to provide you with greater assistance during this uncertain period the following blog offers some guidance, from Pen Underwriting, on how to deal with temporary closures of premises.
The below is a checklist of risk control measures to consider in order to help secure buildings provided that you can adhere to the government instructions during this period and to use as a reference point for regular checks during temporary closedown periods.
In these unprecedented times, due to the COVID-19 pandemic, the Shearwater Insurance team have compiled a list of Frequently Asked Questions, in relation to key insurance topics that may be affecting the equestrian community.
Shearwater are proud to be insurance facilitators for British Dressage, as such we have included a number of FAQs specific to British Dressage members.
As the country pulls together in solidarity to help support each other through the current crisis, we see a rise of free resources to help individuals and families navigate the period of isolation.
We’ve shared some of our favourites, below, that may help provide some sources of entertainment this Bank Holiday weekend, as we all stay home and stay safe.
With businesses closing for prolonged periods of time, many households experiencing reductions in income and sadly many losing their jobs, taking care of the money in your pocket has become a key priority for many.
In addition to the support announced by the Government, what help, and support is available to help your bank balance survive the current health and financial crisis?
The spread of the Coronavirus has raised a number of questions regarding Business Insurance. In our new, fast changing and every evolving world, families, businesses and individuals find themselves in uncharted waters and ever increasingly difficult situations. As such we find ourselves being asked a number of questions regarding business insurance policies. The following article is aimed at answering some of these questions.
