Safeguarding Your Livery Yard Operations
Livery Yard Insurance
Including Private Yards, Grass Livery & DIY Yards
How We Can Help
Running a livery yard involves significant responsibilities, from horse care to maintaining facilities. Our Livery Yard Insurance offers protection against accidents, liabilities and property damage, allowing you to operate with confidence.
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Key Benefits
- Public Liability Insurance: Covers legal expenses and compensation if third parties are injured or their property is damaged due to your business operations. Public liability cover is based on the total number of horses on your premises (including privately owned horses)
- Care, Custody and Control Cover: Provides cover for any claims made against you by the owner of a horse, which is injured whilst in your care.
- Employer’s Liability Insurance: Mandatory coverage for staff, safeguarding against work-related injuries or illnesses. Cover can be provided for full & part time employees along with volunteers and those on work experience
- Freelance Instruction: Qualified and unqualified instructors, including cover for breaking of horses, grooming, schooling and clipping.
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Service Offerings
Public Liability Protection offers coverage for claims involving injuries or property damage to third parties resulting from your livery yard operations. Cover can be extended to include liability for hire of facilities such as indoor /outdoor arenas and cross country courses, shows organised by you at your premises which are in house or open to the public, staff and guest beds at the premises , café and tack shops on-site.
Employer’s Liability provides financial protection against claims from employees who suffer work-related injuries or illnesses.
Cover Extensions Available
Shows: Organised by you, at your premises, which are in house or open to the public
Hire of Facilities: For third party use indoor/outdoor arenas and cross country courses
Guest and Staff Accommodation: On the premises
Livestock/Farm Animals/Yard Dogs: Or miscellaneous animal liability
Lead Rein Pony & Donkey Rides: Both on and away from your premises
Camps & Clinics: Including for pony club or riding clubs
Stud Farms: Can be covered for AI only, live cover is not available
Insurance Solutions You Can Trust
Your Questions, Answered
Regardless of size, all livery yard’s face potential liabilities and property risks. Our team will discuss your requirements to establish exactly what cover your require.
Yes, our Care, Custody and Control coverage specifically addresses this.
Due to the nature of equine public liability policies all horses on the premises need to be included. If you have separate horse insurance for your own horse, this covers the horse for public liability for its own use whilst being ridden.
For example if a horse was to escape from its stable or field and then injure a third party your public liability for the premises would cover this. The claimant would claim again your yard insurance not your horse insurance. This is the reason we include all horses for a yard public liability.
Under our freelance policy you will be covered for public liability for injury or third party property damage whilst you are teaching. This policy also covers you for grooming, schooling, clipping and handling your clients’ horses.
We cannot cover you for teaching on your own horse. We would offer you a riding school policy subject to a riding school licence being in place.