Care Custody & Control Insurance

Protect yourself from claims that may arise in the event of an injury or death of a horse in your care, with care, custody and control (CCC) cover.

The Worst Case, Yet Frequent, Scenario

Care, Custody and Control insurance is often referred to as Custodial Liability insurance and provides cover for the insured against claims that arise from the death and/or accidental injury to horses/ponies that are in their care, custody and control.  This could be as livery, be they assisted, part or full time liveries, or a horse that may have been sent to a rider for schooling.

CCC insurance is most commonly found combined with Transporters Insurance or Livery Yard Insurance.

The policy will offer a benefit to be paid for veterinary fees and/or the current market value of the horse, up to the limit of indemnity, in the event of an accident, sickness, disease or death of the horse.

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Levels of Cover

There are 3 limits of indemnity available as shown below:

 

  Option 1 Option 2 Option 3
Maximum claim per animal £10,000 £25,000 £50,000
Maximum claim per incident £50,000 £75,000 £100,000
Maximum claims in a year £125,000 £175,000 £250,000
Public Liability as Standard £1 million £1 million £1 million

Options:

  • Higher Limits are available upon request
  • Cover available for European Transportation
  • Employers Liability

 

 

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Transporter Insurance

By law, if you are moving goods, in this case, horses, ponies and donkeys in exchange for money, you must have the relevant certificate and qualification to cover equine transit for journeys. Without this, you will not be able to put this  insurance in place.

If your business revolves entirely around the safe transportation of other people’s horses, there is nothing to gain by opting for substandard insurance, as the risks could just be too great. At Shearwater we know precisely what cover you need in place to be well protected in your business operations, while giving your customers the confidence in your services. We also include Public Liability as standard.

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Livery Yard Insurance

Livery yard insurance arranged by Shearwater gives you as the yard owner the opportunity to cover your business simply and effectively, so you can be confident that behind the scenes of your bustling enterprise, you’ve got the right protection in place.

Shearwater has many years of experience when it comes to understanding the requirements of a livery yard owner. The result is a range of insurance policies designed specifically for protecting you as the owner, along with your staff and your customers. From riding instructors and livery yards to stud farms, Shearwater specialise in finding insurance solutions designed to protect you and help ensure you and your business financially covered.

  • 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.
    Sarah Skillin, British Dressage Member
  • Shearwater not only provided a much more comprehensive policy but at an incredibly competitive price. Everything was very simple.
    Imogen Murray, International Event Rider (5* & Team GBR Nations Cup)
  • 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
    Simon Bates, Owner & Event Director of The College Equestrian, Keysoe
  • 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.
    Simon Hall, Managing Director of Soteria Ltd
  • 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
    Becky Moody, Grand Prix Dressage Rider, Team GBR Podium Pathway Member
  • 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
    Catherine Mills, Head of Global Retention & Equestrian at Quintessentially
  • 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.
    Leanne Hart & Daniel Bates, Para Dressage Rider
  • 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.
    Michael Murphy - Irish International Para Dressage Rider
  • 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!
    Chantal Siddle

Get A Quote Today

For insurance that beats the competition.  Phone us today on 01992 718666 or request a quote online.