About Livery Yard & Stables Insurance


Bespoke stables insurance policies

Tailored to meet the specific needs of your livery yard, stables and/or riding school, horses, and ponies.


Public liability insurance as standard

Protecting you if members of the public suffer an injury or property loss or damage at the livery yard.


Livery yard employers' liability

Cover for volunteers, seasonal, part-time and full-time staff at your stable yard.

Direct Debit

Pay by Direct Debit

Split your livery yard insurance payments into equal monthly instalments

Features of Livery Yard & Stables Insurance

Standard cover

Personal and commercial stables insurance

A busy commercial livery yard might present a higher level of factors for essential cover. However, whether you use your stable for personal or commercial use, we will be able to offer advice along the way, to help you find the right cover. We can help you reduce your risks for jumping courses or facilities (such as a horse walker), which are inspected periodically to check they meet health and safety regulations. Naturally, all stables’ insurance premiums and rates are dependent on risk and business factors.

Horse tack insurance and saddlery cover

Peace of mind is essential when it comes to tack insurance and saddlery cover. Our livery yard insurance policy will cover risks of accidental loss or damage. We will also go through policy details that will apply in the event of a break in or theft. If you list additional or specialist items, such as clippers or therapy massage pads, we can advise you regarding the cover available for these as well.

Livery yard equipment, stock, and contents insurance

A busy stable won’t just have grooming kits and mucking out equipment in daily use on site. Typically, there will be office equipment, such as the bookings computer and other essential electronics. Medical supplements and first aid equipment will also be on site, plus specialist horse care equipment in use by grooms, as well as straw, hay, bedding, etc. Just give us a thorough list of all the items that you would like to be covered, as we are able to offer cover for an extensive range of contents under this policy. Note our stable yard insurance cover is subject to certain minimum security requirements such as alarms and CCTV – please see your policy wording for full details.

Bespoke business interruption cover with your livery yard insurance

Any stable or livery yard could experience an interruption of business due to sickness, or other unforeseen circumstances. Factors, such as the duration of closure and staffing costs, are important considerations in this type of policy. Our purpose-built livery yard insurance will protect your revenue with bespoke business interruption cover based on your total income / revenue stream. Ask an adviser for details to ensure you are adequately covered.

Additional cover

Additional equine equipment covers

Can cover extensions of your property, such as quads, harrows, tractors, specialist machinery, and more. See your policy or speak to an advisor to check what conditions may apply.

Livery Yard and Stables Insurance FAQs


Why do I need livery yard 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.


Are vehicles trailers kept at the livery yard included in the policy?


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.


What if my livery yard features breeding or if it is used for bloodstock?


We can offer specific bloodstock insurance for this.


What does it mean when I have to pay an 'excess' on my stables and livery yard insurance claim?


An excess is the part of a claim that you pay for yourself. Excess fees vary between 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 so will be a variable amount based on the total amount claimed.


If a horse injures itself on a fence how can a livery yard insurance protect me?


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.


Are there any exclusions?


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.


Can I pay for my stables and livery yard insurance in instalments?


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.


Where can I find full details of my policy?


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.

How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.


Find your insurance documents

and make sure you have all your information at hand, including your policy number


Call the claims team

on 01536 486 060 and explain exactly what happened


Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim