At a Glance
  • Public liability
  • Employers’ liability
  • Comprehensive horsebox cover
  • Hire & reward use
  • Care custody and control
  • Breakdown
  • Legal expenses
  • European cover available

It’s your job as a horse transporter to provide safe, secure, comfortable and stress free transportation for your customers’ animals. At Shearwater, we aim to make these journeys a whole lot easier for you with horse transporter insurance.

The worst case, yet frequent, scenario

You probably keep your horsebox for hire suitably in check for each and every journey before you set off but unfortunately, like any vehicle, it can still breakdown. Problems can and do commonly arise when horses are being moved from one horsebox to another. If a horse escapes while you are on the side of the road and causes an accident, you will face a number of financial consequences, including claims from other drivers and the owner, if their horse is injured or killed.

Horse transporter insurance works in a number of ways to give your business a unique form of protection. 

The Vehicle

Your horsebox will need to be covered for hire and reward use. This will give you the legal cover you need to be on the road so you don’t incur the costs racked up after causing an accident while on the road. This policy can also include optional extras such as breakdown, windscreen and legal expenses cover.

The Horses

Whilst the horses in your care are being moved from A-B, your responsibilities towards them can be covered with care, custody and control insurance. Whether or not you have grooms or vets to hand throughout the journey, if you or as a company are deemed responsible in the event of the animal’s injury, or losing control of a horse by the side of the road, care, custody and control (known as CCC ) will cover you for this if you or your company are deemed responsible.

The Legality

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.

The Specialists

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.

Key Features


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


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



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Hi Shona, I suspect you don’t realise how extremely rare it is to be able to deal with someone who’s actually helpful and does what she says she’s going to do. I now officially nominate you to run the customer service departments of BT, British Gas, Santander Bank, Vodafone and the VAT office! I think

March 17, 2016

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