What Insurance should these businesses have?
Town & Country have experience staff ready to discuss your equestrian business with you. However for some businesses, particularly riding school insurance cover will be a necessary requirement by law - it is our job to know what insurances are and to operate in your best interests to inform you of these.
The riding school act means to trade as a riding school, under its registration you must have Public Liability Insurance (see the link to Riding Establishment Act 1964). Although not compulsory, Public Liability Insurance is recommended for anybody running a livery yard.
If you are providing part full or working livery, you should seriously consider extending your cover to include Care, Custody and Control.
By law if you have employees, unpaid volunteers or students on placement working at your premises then you should have Employers' Liability insurance. This insurance will allow you as a livery yard owner or stables to meet the cost of damages and legal fees for employees who are injured or made ill at work through the fault of the employer. Employees injured due to an employer's negligence can seek compensation even if the business goes into liquidation or receivership. By having this cover means that your business will be able to continue should the worst happen.
What is Horse Custody Care and Control cover?
This insurance will cover you for injury, illness or disease (fatal or non fatal) to a horse in your or your employees' care, custody and control.
What is the optional extension for Livery Yard or Horse Stables Business Interruption Insurance?
If your livery yard activities are interrupted following an insured loss or damage, business interruption insurance can provide you with an income for an agreed period. This also includes cover for Infectious equine diseases such as influenza, strangles and venereal disease.
We are able to offer insurance for your equestrian business, this includes commercial and personal property, buildings for livery yards, riding stables, riding schools as well as paddocks and arenas. We can also cover show jumping, dressage events and cross country meetings.
An example of a typical package from a range of insurers are:
Private buildings including your home contents and personal belongings
Commercial buildings including stables and storage buildings
Equestrian Buildings including arenas, horse walkers etc
Barn contents including hay, straw, feed and bedding
Saddlery and tack
Show Jumps and cross country courses
Public liability for visitors to your premises
Custodial liability for animals under your care
This list is inclusive but not exhaustive of the cover we are able to provide your business.
We would welcome the opportunity to provide you with an insurance quotation when required, we are confident that you will be happy with the level of service as well as the cover and premiums that become available to you.