Livery Yard Insurance
Confidence for each and every animal, plus their owners on your Livery Yard
Why choose livery yard insurance from Shearwater?
Livery yards offer a simple solution to horse owners who don’t have their own premises, allowing them to shelter, feed and train their horses elsewhere for a fee.
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.
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
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.
Taking responsibility for your livery yard
You’re liable for your premises, whatever size. Whether you run a fully managed or a DIY livery yard, having insurance in place means that if someone is injured on your premises or their property gets damaged, you could be covered for what otherwise could be a great expense.
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.
The voice of experience from Shearwater
Our team at Shearwater can offer advice as to what kind of policy you need and tailor your cover to suit your business needs, helping to keep your livelihood safe and sound.
Livery yard insurance can protect you against a wide range of claims but each policy can vary depending on your size and how you function as a business.
Not only will this give you the confidence to take in new customers and their animals, but it also reassures clients that their valuable horses are in safe hands.
Legal Expenses Insurance
We can help you to overcome a range of common business problems, for example:
- you need expert legal advice quickly
- a dispute with an employee escalates and can’t be resolved
- you receive notice of an enquiry into your tax or VAT returns
- a Health & Safety inspection ends with a threat to prosecute your business
- a neighbouring business restricts access to your premises
- your business attracts adverse publicity which threatens to damage your reputation and you need PR advice
Available from £49.00 per year.
Speak to a member of our team about adding it on to your policy.
Care, Custody & Control
Care, Custody and Control insurance 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 a livery, be they assisted, part or full time liveries, or a horse that may have been sent to a rider for schooling.
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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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!