Livery yard and stables insurance

Stables are a complicated environment and you should ensure you are covered for the unexpected. Public liability insurance keeps you protected against any accidents that might befall visitors to your premises due to your negligence.

If you have a commercial livery yard, you need to ensure that you are covered for interruption of business due to sickness or other unforeseen circumstances. Furthermore, if you employ staff at your stables, you are required by law to have employers' liability insurance.

Trailers kept at stables will not be included in your livery yard and stables insurance policy and should be insured by the owner separately. We can cover these under our horse trailer insurance.

We can offer specific bloodstock insurance for this.

An excess is the part of a claim that you pay for yourself. Excess fees vary between horse insurance policies. Be sure to check your excess fees as well as your premium when selecting an equestrian insurance product. You may be offered a ‘flat excess’, which will remain the same regardless of the amount of the claim, or a ‘co-insurance contribution excess, which will be a percentage of the amount claimed.

You can take out custody and control (aka custodial) liability insurance, usually as part of an insurance package that includes public liability. It would protect you in the event of a livery horse injuring itself whilst in your care, or on your property. From small livery yards to large competition yards, different levels of cover are available to suit various business needs. They’re also based on the value of horses in your care.

Horse insurers won’t cover if there are multiple businesses on the same yard. Asbestos may be excluded and you may have to follows certain precautions to reduce the risk on the property ie. fencing muck heaps and ponds.

Certain things are excluded within our horse insurance policies:

• Slaughter (except on humane grounds) without our prior consent

• Illness or disease in the first 14 days from inception of the policy

• Destruction of the horse as a result of economic expediency

• Destruction of the horse as a result of an undiagnosed behavioural condition

• Liability if used in connection with a riding establishment or public rides/fetes

• Illness caused by a behavioural issue

See your policy document for full details.

If you would prefer to spread the cost of your livery yard and stables insurance policy, you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments through our preferred provider, Premium Credit Limited (PCL).

To find out more about PCL and direct debit payments, select Direct Debit.

We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.