From jumping or dressage to cone driving and cross-country hacks, whatever your club covers, Cliverton aims to find an insurance policy to cover you.
Running a horse riding or carriage driving club is exciting and rewarding but it can also be a risky business. With members and their horses being the main part of your club, you should choose a broker who loves horses, but also understands the highs, the lows, the risks and the rewards of working with them.
GET A QUOTE & BUYOur mutual love of horses and our passion to protect your equestrian club means that your club will always be in safe hands. With over 50 years’ experience and extensive knowledge in providing insurance for equine clubs, Cliverton will ensure you have the protection you need for your public liability.
As a team of equine enthusiasts, we are committed to helping you find the right cover for your club. This means you have one less thing to worry about while you enjoy riding out, competing, training, eventing or show jumping.
This insurance policy is suitable for those who require public liability insurance for running a horse riding or driving club. It is not suitable for those who require cover for trekking or beach rides.
There are two main types of insurance you need if you have a riding or driving club. Both are included in our horse riding and driving club 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 escapes and injures a member of the public.
The standard limit is £5 million, but it can be extended to £10 million for an additional premium.
Products liability – this covers the business up to £5 million if injuries or damages arise as a result of a defective product that your business had supplied.
A riding or driving club policy is designed for those equine enthusiasts who organise and hold events together for training or competitions. This insurance will provide cover for public liability for club members should they injure a member of the public or damage their property while participating in club’s equine activities. The public liability also extends to cover club members should they injure a fellow club member or damage their property. We can offer £2m, £5m or £10m Public Liability, and we can provide Employer’s Liability should your club have voluntary helpers or employees.
Trekking or beach rides.
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 suffer an injury while at work. The amount of cover provided is £10 million.
Equipment and property – we can cover your organisation’s property and equipment, from small items (such as handheld equipment) to large (such as office equipment). We are also able to arrange cover for commercial premises, business interruption, theft of money and your home.
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.
Property and equipment
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
“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.”
EMAIL KATYOR CALL 01328 857921