While you’re busy teaching or tacking up, we’ll take care of your insurance.
When horses are the heart of your business, you need specialist equine business insurance for peace of mind. That’s why you should choose a broker who loves and understands horses as much as you.
GET A QUOTE & BUYFrom instructing, grooming and horse clipping to riding and exercising your clients’ horses, our freelance groom and instructor policies will provide the protection you need should the worst happen.
With over 50 years’ experience in the industry and expertise in insuring equine businesses, we speak your language. We know how time-consuming running an equestrian business can be -work doesn’t end the moment you finish the lesson or pack away the hoof pick. That’s when some of the hard work starts. Cliverton can give you one less thing to worry about.
As a team of horse lovers, we are committed to finding the right cover for your equine grooming or riding instructor business. This means you can focus on getting the horses looking hot to trot with shining coats and clients cantering with confidence.
This insurance policy is suitable for those working as a freelance groom or instructor and are looking to cover their public liability, as well as looking to protect the horses in their care.
There are three main types of insurance you need if you are a freelance groom or instructor. All are included in our insurance policy.
Public liability – designed to protect you against liability claims for injury caused to third parties or damage to their property as a result of your negligence. For instance, if a horse in your care gets spooked, runs off and injures a member of the public.
The standard limit is £2 million, but it can be extended to £5 million or £10 million for an additional premium.
Products liability – this covers your business up to £2 million if injuries or damages arise as a result of a defective product that your business had supplied.
Care, custody and control – cover is provided for any claim made against you for either injury or death of a horse while in the care, custody or control of you or an employee.
Liability for your work as a freelance groom or instructor.
Any horse owned by the insured, any damage to the insured’s own property, any injury to the insured, any work outside of the UK or any excess applicable.
Employers’ liability – if you have paid, voluntary or self-employed helpers working for your business, you are legally required to have this insurance as this will provide cover should they injure themselves while at work. The amount of cover provided is £10 million. If you have, or are thinking about having, school age work experience, please contact us.
Equipment cover – if you own equipment that you use in the course of your business activities, please give us as a call to see if we can provide cover for you.
Competing on clients' horses – we can cover you to compete your clients’ horses.
Equine transport – should you be asked to run your client’s horse to the vets for a routine visit, we can offer cover for this service provided it is within the UK.
Legal expenses - this is designed to protect you from unexpected legal costs arising from business risks. Find out more.
The following excesses are applicable to the business policy only.
Liability excesses
Terms of Business
Provision of Service Statement
Non Bloodstock Policy Wording
Non Bloodstock Key Facts
The Public Liability policy may be underwritten by Certain Underwriters at Lloyd’s or Markel International Insurance Company Ltd.
Equipment and property is underwritten by Ecclesiastical Insurance Office plc.
Commercial Combined Key Facts
Combined Liability Policy Wording
Legal expenses policy is underwritten by ARAG plc.
Legal Expenses – Key Facts
Legal Expenses Policy Wording
Important information about our direct debit payment option
We want to make sure that you understand the necessary insurance terms found within our website. This summary should explain anything that you may be unsure of.
Negligence – failure to take proper care
Premium – cost of the insurance policy
Excess – the first part of any claim payable by you
Business interruption – provides cover for loss of income following damage to the premises from which you work. It does not provide cover for pandemics.
Incapacity – inability to carry out activities
Liability – legal responsibility
Benefit – payment made
Compensation – payment made in recognition of loss or injury
Non-invasive – does not penetrate the skin
Banned breed – dogs which are illegal in the UK: American Pit Bull Terrier, Dogo Argentino, Japanese Tosa, Fila Brasilerio and XL Bully.
Indemnity – covers compensation for loss or damage.
Common Ownership – the use of land by one or more people, which is owned by someone else
DWAA – Animals listed on the Dangerous Wild Animals Act 1976.
My name is Ellen and this is my horse Mia. I work within our equine department here at Cliverton and enjoying speaking to fellow equine enthusiasts.
In my spare time outside of work I enjoy taking Mia out competing and taking my two cocker spaniels Bertie and Stanley on long walks.
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