- Public liability
- Employers’ liability
- Product liability
- Care custody and control
- Land liability
- Directors & officers liability
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.
Securing your future in the event of a claim
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.
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
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.
Further breakdown of cover available
Use our online form to request a quote now. Otherwise call our team on 01992 707318 for a chat about your insurance needs