Equestrian Liability Insurance

If the worst happens and you need help with your insurance, the team at Shearwater are here with equestrian liability insurance.

Securing your future in the event of a claim

Most people who are employed within the equestrian industry will see their all-encompassing work as a joy rather than a chore. Horses and ponies bring a great deal of pleasure to those around them but they are unpredictable animals, and anyone who works around, handles, or cares for them, understands the risks.

Our bespoke policy designed specifically for your yard activities offer specialist cover for freelance instructors, riding schools, racehorse trainers, studs, livery yards and private stables.

Cover is available for:

  • Public liability based on the total number of horses on your premises (including privately owned horses)
  • Care, custody and control for a maximum of £50,000 per horse/£100,000 in aggregate
  • Equestrian land liability
  • Employers liability based on the number of employees, including casual staff.

Cover extensions are also available for:

  • Shows organised by you, at your premises, which are in-house or open to the public
  • Hire of facilities for third party use – e.g. indoor/outdoor arenas and cross-country courses
  • Guest and staff accommodation on the premises
  • Tack shops and/or cafés on the premises
  • Camps and clinics, including for Pony Club or Riding Club
  • Cover for livestock/farm animals/guard dogs or miscellaneous animal liability
  • Freelance instruction for qualified and unqualified instructors, including cover for breaking of horses, grooming, schooling & clipping
  • Lead rein pony and donkey rides, both on and away from your premises

Understanding your liabilities

If you approach Shearwater for Equestrian Insurance, a member of our experienced equestrian team, can take a look at your equestrian business and help you decide exactly what liability cover is going to be worthwhile, or essential, to have in place. They have a wealth of experience and can help whether you run a livery yard, a riding school, a racing yard or trekking centre, or any other type of equestrian business.


Public Liability

Those of you who run your own equestrian business, no matter how big or small, will understand that horses are dangerous animals and accidents do happen.  Public Liability Insurance is to cover you for any claim made against you by a member of the public for personal injury or property damage.  Examples of the sort of claims equestrian business proprietors can expect are from customers who are injured falling from horses during a lesson, or neighbours who have their gardens damaged by escaping ponies. Although any claimant would have to prove that you were in some way responsible for the incident and therefore liable, it will also cover you for any legal fees incurred in defending yourself against such a claim.


Employers Liability

If you employ people it is your responsibility to provide them with as safe a working environment as possible. This insurance is designed to cover you for any personal injury claims made against you by an employee who is not a close family member. As with public liability, any claimant would have to prove that you were in some way responsible for the incident and therefore liable.  It will also cover you for any legal fees incurred in defending yourself against such a claim. It is a legal requirement for any employer whether their employees are paid or not. You are required to display your certificate of employers liability insurance at all times

  • 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 In Touch Today

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