Cover for your equestrian liability needs, all in one place, with Shearwater Insurance.
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Securing your future in the event of a claim
Whether you're running an equestrian business or managing your own private stables, working with horses should be a joy and not a chore. Horses and ponies bring a great deal of pleasure to those around them but they are unpredictable animals, and anyone who works around, handles, or cares for them, needs to understand the risks associated.
At Shearwater Insurance we offer a range of bespoke policies designed specifically for your yard activities, be it for a private yard or livery yard, specialist cover for freelance instructors and riders, riding schools, stunt riders, studs and events.
Understanding your liabilities
If you approach Shearwater for Equestrian Liability Insurance, a member of our experienced equestrian team, can take a look at your equestrian business, or property, and help you decide exactly what liability cover is going to be worthwhile, or essential. They have a wealth of experience and can help whether you run a livery yard, a riding school, a racing yard or trekking centre, or any other type of equestrian business.
Liability Products For Equestrian Property & Business
Private Stables Insurance
Your stable yard may look very different to another.Maybe you have a handful of stables, large feed store and tack room, or a barn full of expensive machinery.Either way, if your yard was flooded tomorrow, or if one of your barns caught fire, do you feel confident that your insurance would cover it?
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DIY Livery Yard Insurance
Livery yard insurance arranged by Shearwater gives you as the yard owner the opportunity to cover your business simply and effectively, so you can be confident that behind the scenes of your bustling enterprise, you’ve got the right protection in place.
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Equestrian Buildings & Contents Insurance
From small stable outfits to state of the art equestrian centres – it doesn’t matter to us at whether you’re one or the other, or somewhere in between. What matters to us is that if you’re affected by fire, flood or theft, you have already taken measures to helprebuild, refit and restock, so that peace can once again be restored.
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Land Liability Insurance
Whether you are leasing your grazing land, or simply enjoying your own space at home, you hold a responsibility to ensure your equestrian property is safe and fit for purpose. Shearwater can help you protect against claims being made against you and provide compensation in the event that an incident, such as injury or damage to property, occurs to a third party, whether you’re allowing other people to use your land and its facilities or not.
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Stud Insurance
The unpredictable nature of horses and the working stud farm environment they are in means that accidents, injuries and damage are commonplace.
Shearwater’s in depth knowledge of the equestrian business means that the right equine and livestock protection can be arranged from the outset for those operating in this high-value, yet high risk environment.
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Riding Schools & Trekking Centres
As a Riding School or Trekking Centre Proprietor you need to make sure your establishment is running well and it is also your responsibility to ensure you create a safe environment for staff and customers. However no matter how careful you are you cannot guarantee that no accidents will happen nor that no one can make a claim against you. It is therefore essential that you have a comprehensive specialist Insurance Policy in place to protect your livelihood.
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For Riders & Professionals
Horse Rider Insurance
With its inherent risks, horse riding is considered one of the most dangerous sports in the UK, and an injury sustained while working with horses could be one that keeps you from work for weeks, months or even permanently. Anyone who participates accepts these risks, which is why it’s so important to embrace horserider insurance as a necessity.
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Stunt Performer Insurance
Performers are in the entertainment business to make people happy, but nothing brings you back down to earth with a bump more than an accident at work. Don't risk an accident leaving you sitting on the side-lines, out of work and out of pocket. Stunt Performer Insurance, from Shearwater, can offer an additional safety net and a helping hand to get you back on your feet.
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Freelance Instructors/Professionals Insurance
You may fully understand the tendencies and temperaments of horses under your instruction, but it doesn’t mean that these unpredictable creatures can’t still take you and any riders you’re teaching by surprise.
Cover also available for grooms and other equestrian professionals.
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For Clubs & Events
Equestrian Event Insurance
Sorting your insurance needs to be top of the list when arranging an event, whether you run the odd seasonal show, or operate a busy and bustling show ground. It’s only your insurance and sensible measures around the event that will stand between you and a large financial loss if something goes wrong in the lead up to, or on, the day itself.
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Abandonment & Cancellation Insurance
At Shearwater Insurance we know that organising eventing fixtures takes time and investment. We also know that these events can be hampered by adverse weather conditions. Following the removal of the rider funded abandonment insurance, that formed part of the entry fee, Shearwater's equine insurance specialists has searched the market for an effective insurance policy that will offer cost effective and reliable cover for event organisers.
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Riding Club Insurance
The hustle and bustle of lessons, social events welfare training and competitions, make riding clubs a fun and rewarding environment for amateur riders nationwide.The right insurance policy means that you can get just as much of an enjoyable experience in running a horse or pony club, as your members get from joining, by taking away the worry of financial implications if something goes wrong.
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Pony Ride Insurance
Pony rides can bring so much joy to children and many professional equestrians had their first equine experience on a pony ride.With such simple pleasure to be had, it may not have occurred to you to have insurance in place.
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Key Elements of Equestrian Liability Insurance
Public Liability
Those of you who run your own equestrian business, no matter how big or small, will understand that horses are dangerous animals and accidents do happen. Public Liability Insurance is to cover you for any claim made against you by a member of the public for personal injury or property damage. Examples of the sort of claims equestrian business proprietors can expect are from customers who are injured falling from horses during a lesson, or neighbours who have their gardens damaged by escaping ponies. Although any claimant would have to prove that you were in some way responsible for the incident and therefore liable, it will also cover you for any legal fees incurred in defending yourself against such a claim.
Employers Liability
If you employ people it is your responsibility to provide them with as safe a working environment as possible. This insurance is designed to cover you for any personal injury claims made against you by an employee who is not a close family member. As with public liability, any claimant would have to prove that you were in some way responsible for the incident and therefore liable. It will also cover you for any legal fees incurred in defending yourself against such a claim. It is a legal requirement for any employer whether their employees are paid or not. You are required to display your certificate of employers liability insurance at all times
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For insurance that beats the competition. Phone us today on 01992 718666 or request a quote online.
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As an expert in equestrian insurance with a deep understanding of the complexities involved, I can provide valuable insights into the concepts discussed in the article about Shearwater Insurance. My expertise in this field stems from extensive experience in working with various equestrian businesses, understanding the unique challenges they face, and navigating the intricate details of equestrian liability insurance.
Now, let's delve into the key concepts and information covered in the article:
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Shearwater Insurance Overview:
- Shearwater Insurance specializes in providing comprehensive coverage for equestrian businesses and individuals involved in horse-related activities.
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Equestrian Liability Insurance:
- Shearwater offers bespoke policies tailored for different equestrian activities, including private stables, livery yards, riding schools, stunt performers, studs, and events.
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Coverage for Various Equestrian Businesses:
- The article discusses specific insurance products for different types of equestrian businesses, such as private stables, DIY livery yards, equestrian buildings and contents, land liability, stud farms, riding schools, trekking centers, and more.
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Insurance for Riders and Professionals:
- Shearwater provides insurance solutions for horse riders, stunt performers, freelance instructors, and other equestrian professionals, acknowledging the inherent risks associated with these activities.
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Insurance for Clubs and Events:
- Specialized insurance options are available for equestrian events, including coverage for event organization, abandonment and cancellation insurance, riding club insurance, and pony ride insurance.
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Key Elements of Equestrian Liability Insurance:
- Public Liability: Covers claims from the public for personal injury or property damage, such as injuries during lessons or damage caused by escaped ponies.
- Employers Liability: Mandatory for employers, covering personal injury claims from employees and ensuring a safe working environment.
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Legal Requirements and Contact Information:
- Employers are legally required to display their certificate of employers' liability insurance. The article provides contact information for Shearwater Insurance, encouraging readers to get in touch for competitive quotes.
In conclusion, Shearwater Insurance offers a comprehensive suite of equestrian liability insurance products, catering to the diverse needs of equestrian businesses and individuals. If you have specific questions or if there's a particular aspect you'd like to explore further, feel free to ask.
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