How We Can Help

Operating a riding school or trekking centre can often involve inherent risks to customers, staff and horses. Our services can help provide cover for liabilities, accidents, property damage and more so that your business can run smoothly.

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: Automatically covered for tuition on the premises

Ready to help minimise your risk and uncertainty?

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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

Beach Rides

Equine Assisted Therapy

Explore Other Solutions

Equine Insurance

We offer a range of solutions designed specifically for your equine activities, be it for a private yard or livery yard, specialist cover for freelance instructors and riders, riding schools, riders insurance, transport and events.

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Building & Contents

Protect your stables, saddlery, equestrian tools, forage and livestock through an Equestrian Insurance policy that can safeguard your business operations and promote continuity should unexpected, adverse circumstances arise.

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Equine Trades

Offering cover for Freelance Instructors, Commercial Horse Transporters, Equine Land Liability, Saddle Fitters and Course Builders.

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Agricultural Vehicles

Brown & Brown can provide a specialised, comprehensive policy that covers a variety of agricultural vehicles, such as cranes, tractors, forklift trucks and more.

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Livery Liability

Protect your premises and operations in the rare event that you are faced with claims resulting from injury, illness, death or other damage through Brown & Brown’s Livery Liability Insurance options.

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Horsebox & Horse Trailer Insurance

A Brown & Brown Horsebox Insurance policy offers peace of mind and protection while transporting yourself and your horse. It typically includes protection against theft, damage, and accidents, as well as breakdown cover to ensure the safety of both the vehicle and the horses during transit.

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Your Questions, Answered

Does the policy cover injuries to horses used in lessons?

Yes, cover includes protection for horses used in your business activities.

What types of cover is typically included in Riding School & Trekking Centre Insurance?

Policies generally include public liability, employers’ liability (if you have staff), property insurance for buildings and contents. Additional cover options may include business interruption, facility hire, and events like pony parties.

Does this policy cover injuries to horses in my care?

Yes, our Riding School and Trekking Centre policy automatically includes Care, Custody and Control coverage up to £10,000.

Why do I need to include my own horses under a liability quotation as my own horses have their own public liability?

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.

Is Freelance Instructors liability included?

Under our Riding School and Trekking Centre policy you are automatically 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 whilst at your premises.