Are you a livery yard owner providing services ranging from basic grass livery to full livery service? We can cater for all types of yard including private stables, training establishments, competition yards and studs.
GET A QUOTECALL 01328 857921As a livery yard owner, you’re responsible for the care of the cherished horses boarded on your property. While you probably deliver the job with plenty of passion, it doesn’t come without risk and proper insurance is a critical investment.
From a horse which is injured while under your care to possible claims from visitors who are injured on your premises, liability is a very real risk. Fire or storm damage might also mean you are unable to operate your yard until repairs are made.
With over 50 years’ experience in the industry and expertise in insuring equine businesses, we speak your language. We’ll provide the right specialist cover at the right price – and be there to handhold should the worst happen and you need to claim.
This insurance policy is suitable for yard owners' private premises as well as those providing services such as livery yards (grass, DIY, part or full-livery service).
There are two main types of insurance you need if you operate a livery yard business. Both are included in this 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.
Cover limits available include £2 million, £5 million and £10 million.
Products liability – this covers your business if injuries or damages arise as a result of a defective product that your business had supplied, such as hay, bedding or feed.
Public liability for yard owners providing services such as livery yards (grass, DIY, part or full-livery service). We can also cater for other types of yard, including private stables, training establishments, competition yards and studs.
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 be injured while at work.
Care, custody and control – Provides cover for your legal liability in the event of injury, illness or death of the horses under your care, custody and control.
Different levels of cover are available. Please contact us for more information.
Shows/events – cover can be provided for liabilities arising from any shows or events held at your establishment.
Hire of facilities – should you hire out your establishments facilities, we can cover your public liability for this.
Onsite riding instruction – if you offer instruction with your clients horses or on your own horses (subject to licencing requirements), we can offer you cover.
Equipment and property damage – we can cover your businesses property and equipment, from small items to large, including saddlery and tack.
We are also able to arrange cover for commercial premises, business interruption, theft of money and your home. If you are running your business from your own home, we recommend that you notify your home insurer.
Personal Accident - provides financial compensation if the insured party is unable to work due to an injury lasting for more than 7 days. Our stand-alone Cliverton Protect policy, to which you can also add sickness cover, offers benefits like 24/7 worldwide coverage. We can offer various levels of cover to suit you and your business so please either call or email the team to discuss your options.
Please note that this does not cover any pre-existing conditions or illness.
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
Property excesses
Terms of Business
Provision of Service Statement
Non Bloodstock Policy Wording
Non Bloodstock Key Facts
The public liability policy is underwritten by 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
View our Riding school or Equine assisted therapy cover.
“I joined Cliverton 10 years ago, I never thought I would enjoy a job as much as I do here after leaving a career in horses.
Joining the team as receptionist I’ve seen a large amount of change over the years. But one thing that has remained at the heart is our team. We are a very close-knit team who strive to do our best for our customers every day. We all know insurance is not something in life people enjoy - but I hope our team helps.
Outside of work, my interests still lie with horses and I try and get to the beach as much as I can with my boy Teddy.
At home I am slave to my two cats Sammy and Aurora who very kindly let me live with them. I am very lucky to live in the beautiful Norfolk countryside which I enjoy exploring with family and friends.”
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