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Preparing Your Horsebox for Cold Weather
Our advice is to avoid having to drive in freezing road conditions - unless of course you really have to.
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Coronavirus help and support for our insurance customers
Tailored cover for your stable and livery yard insurance needs.
Give us a call today to talk about your livery yard and stables insurance options
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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 and reduce your risks for jumping courses or facilities such as a horse walker are inspected periodically to check they meet health and safety regulations. We can help you get these essential areas sorted. Naturally, all premiums and rates are dependent on risk and business factors.
Peace of mind is essential when it comes to tack insurance and saddlery cover. Our policy will cover risks of accidental loss or damage. We can 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 go through the cover available for these as well.
A busy stables 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 and we are able to offer cover an extensive range of contents under this policy. Note our stable yard insurance cover is subject to certain minimum security requirements.
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 fully covered.
To make a claim, call us on 01536 486060, weekdays 9am to 5pm.
Horse-related articles and guides:
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Our advice is to avoid having to drive in freezing road conditions - unless of course you really have to.
View article
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Why do you need insurance for your horse, and what features and exclusions are usually found in horse insurance? Read our guide to find out.
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For hundreds of years a basic knowledge of horse care was vital to many people who used horses for transport and business. Nowadays, the primary virtue of a horse is as a valued and rewarding companion, so the real work is in the ethical and legal responsibility of you as the owner to ensure that your horse has all the essential requirements for its continued contentment and health.
From the choice of a livery yard to what to have in a grooming kit, it can often seem like there is an endless list of things to cover. Here is our basic guide to some of the key areas of horse care.
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Learning to ride a horse can be a rewarding pastime for many reasons. Horses have long been regarded as trusted and valuable companions. However, it is understandable to be wary of a large animal whose unpredictable behaviour means they can even spook at a plastic bag.
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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 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 a stables will not be included in your livery yard policy and should be insured by the owner separately. We can cover these under our horse trailer insurance.
We can offer bloodstock insurance.
Personal accident cover, also known as horse rider insurance, covers you and anyone else riding your horse with your permission against death and accidental injury caused directly by riding or handling.
At Towergate, we can offer equine insurance for horses of all ages. However, if your horse is over a certain age it may be covered under a 'veteran horse insurance policy' - this will vary across different insurers.
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.
You can take out custody and control (aka custodial) liability insurance, usually as part of an insurance package including public liability, which would protect you in the event a livery horse injured itself whilst in your care or on your property. Different levels of cover are available to suit various business needs from small livery yards to large competition yards.
If you would prefer to spread the cost of your 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.