Don't let worries about what could happen rein in your riding school success. By taking out this specialist riding school insurance, you can rest assured that your business, employees and riders are all protected against unexpected events.
GET A QUOTECALL 01328 857921If you’re a licensed riding school, we can help you to ride the ups and downs of equine business risk.
At Cliverton, we have over 50 years’ experience, and our specialist equine team speak fluent horse. Many of our employees own their own horse or have enjoyed previous careers working with horses. This means they know how to get you the right cover at the right price for your school.
Riding schools may face liability claims from students, visitors or others who may be injured while on the premises or during a riding lesson. Such claims could result from accidents involving horses, falls or other incidents such as trampling or kicking.
This riding school insurance policy is suitable for clients who are looking to cover their public liability for running licensed riding schools. This is not suitable for those looking to run pony parties.
There are two main types of insurance you need if you run a riding school. Both are included in this riding school insurance policy.
Public liability – this public liability cover will protect you from any legal liability which may arise from the actions of you or an employee resulting in injury to a third party or damage to their property. We can offer cover up to a limit of £5 million but this can be extended to £10 million for an additional premium.
Products liability – will cover your legal liability for injury, loss or damage caused by products used by you for your client. This could include hay, bedding or feed which must be supplied in the manufacturer’s own packaging.
Licensed riding schools – where you are licensed by your local authority and operate under the Riding Establishments Act to provide lessons to your clients on your horses or those on a working livery.
We can also provide cover for tuition given in an enclosed arena in either small groups or on a 1-2-1 basis.
We can offer cover for those who offer a small amount of hacking - please contact us for more details.
Liveries
Employers’ liability – If you have either paid, voluntary or self-employed helpers working under your instruction it is a legal requirement to have employers’ liability cover. This provides cover for your legal liability towards your employees should they sustain an injury whilst working for you in connection with your business.
Care, custody and control – Provides cover for your legal liability in the event of injury or death of the horses under your care, custody and control.
Different levels of cover are available. Please contact us for more information.
Liveries – we can provide cover for DIY, part and full liveries kept at your establishment.
Shows/events/pony camps and riding holidays – cover can be provided for liabilities arising from any shows or events held at your establishment. Accommodation cover can also be provided should you offer camps or holidays.
Equipment and property – we can cover your organisation’s property and equipment, from small items (such as leads and collars) to large (such as office equipment). We are also able to arrange cover for commercial premises, business interruption, theft of money and your home. If you also need cover for equipment or property damage, please contact us. 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.
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
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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