Our 25 year lesson in riding school risks
As a Riding School or Trekking Centre Proprietor you need to make sure your establishment is running well and it is also your responsibility to ensure you create a safe environment for staff and customers. However no matter how careful you are you cannot guarantee that no accidents will happen nor that no one can make a claim against you. It is therefore essential that you have a comprehensive specialist Insurance Policy in place to protect your livliehood
Trying to pinpoint the right cover, ensuring you have all the cover you want without paying for things you do not need, can be a minefield, as you certainly don’t want to be falling short on essentials.
Before obtaining your riding establishment licence you need to have the correct insurance in place, namely public liability to protect your customers and their property. While this is an essential, there are other cover options that would certainly be useful to you and your business.
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
With over 25 years’ of experience in the equine industry, we know all too well at Shearwater that running riding schools and trekking centres can bring a number of risks, as does any business that involves horses, and the right insurance can minimise the chance of financial problems should a claim be made against you.
When it comes to arranging protection for you, your staff, your pupils and your customers at your riding centre, you can trust that our team of experts will make sure you have a package in place that really works for every aspect of your business.
Every horse riding school is unique and offers a different business model for clients. Some run competitions, others have a tack shop or café, and many simply give horse riding lessons or offer trekking. Whatever differentiates them, public liability insurance is the most important element for all of them, and our team of equine specialists can talk you through every available option relevant to your institution to make sure that cover is personal to you.
Shearwater can take the lead on your trekking centre cover
Not all specialist equine insurance brokers are comfortable with insuring horse trekking centres, for the simple reason that the great outdoors represents unknown risks to horses and pony trekking that could be difficult to contain and pre-empt. Well trodden tracks and terrain may be familiar to you and your horses, but less so to your guest riders who may be of all ages and abilities.
We embrace all aspects of the equestrian industry at Shearwater as that’s what makes life for us so interesting. Our team would be more than happy to look into the details of your trekking centre so we can pinpoint a trekking insurance policy that’s going to give you, your horses, your staff and riders good protection from stables to the great outdoors.
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.
Shearwater not only provided a much more comprehensive policy but at an incredibly competitive price. Everything was very simple.
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
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.
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
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
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.
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.
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!
Get In Touch Today
For insurance that beats the competition. Phone us today on 01992 718666 or request a quote online.