Coronavirus help and support for our insurance customers

Tailored cover for your stable and livery yard insurance needs.

  • Stable insurance policies built for the specific needs of your livery yard, stables and/or riding school, horses and ponies
  • Public liability insurance as standard, protecting you if guests suffer an injury or property loss or damage at the livery yard as a result of your business
  • Employers liability cover for the mixture of seasonal, part-time and full-time staff at your stable yard

Request a livery yard and stables insurance quote online

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Give us a call today to talk about your livery yard and stables insurance options

01536 486060
01536 486060

Weekdays 9am - 5pm
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To make a claim, call us on 01536 486060, weekdays 9am to 5pm.

Articles & Guides

Horse-related articles and guides:

Boy Caring For Young Horse


Guide to Horse Care

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.

Sausage dog and kitten


Introducing New Pets to the Family

Getting a new pet is incredibly exciting but it is important that new pets are introduced carefully to ensure that they feel settled as early as possible. Follow our guidelines to help make sure both you and your pet are comfortable and happy.

Bringing up a Puppy 3


How Popular Is Your Dog?

Compare data on the number of registrations and average purchase prices for the UK's most popular dog breeds.


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 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 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.

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

We can offer bloodstock insurance.

What is personal accident cover for horses?

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.

Is my horse or pony too old to cover under stables and livery yard insurance?

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.

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.

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

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.

Regulatory information:

Towergate Equine and Towergate Insurance Brokers are trading names of Towergate Underwriting Group Limited. Registered in England No.4043759. Registered Address: 1 Minster Court, Mincing Lane, London, EC3R 7AA. Authorised and regulated by the Financial Conduct Authority.

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