Equestrian Business Insurance
An array of incidents can affect your equestrian business. McClarrons can arrange comprehensive equine insurance to help protect you in these instances.
Insurance for Equestrian Businesses
Whether you operate a livery yard, riding school, or farriery service , you’ll know that working with horses can be unpredictable. Anyone who rides or cares for horses understands the risks associated with working around them. A number of our rural team members at McClarrons have personal links to the equine industry, meaning we have insight into your priorities and challenges as an equestrian business and can speak your language.
Our team will identify risks surrounding your business, both common and unique. Some of these may be small issues that you are already aware of; others may be more significant. Horse business insurance can provide protection where it matters most, helping to ensure that your venture is being protected properly.
Equestrian Businesses insurance cover you should consider
Public Liability insurance
This insurance provides protection should a horse under your care cause injury to someone or damage property belonging to a third party, leading to a claim being made against you or your business. For example, if a horse causes damage to a visitor's car. Policies can also be arranged to provide public liability off-site, for example, for taking horses to events or riding on the roads. This insurance can pay for legal fees as well as any compensation that might be awarded. Contact Us
Employers’ Liability insurance
This insurance is a legal requirement for anyone employing individuals; this can include casual or seasonal workers, family, and self-employed contractors. Employers’ Liability cover offers financial protection by covering the damages, compensation costs and legal fees that may come as a result of a work-related injury or illness suffered by an employee. This is even more valuable in businesses where risk of injury is higher. Contact Us
Care, Custody & Control Liability insurance
This insurance provides protection if a horse in your care, custody, or control is injured, falls ill, or dies, and a claim is made against you for negligence or other form of error or omission when it comes to your duty. It covers defence costs and compensation, helping you to continue trading (if appropriate) in difficult circumstances. This is a key element of equine business insurance for livery yards, trainers, and riding schools. Contact Us
Stables, Buildings & Contents insurance
Equestrian facilities such as stables, arenas, and barns are valuable assets that must be protected from risks like fire, flood, or vandalism. It’s also important to insure valuable contents such as tack, feed, machinery, and specialist riding equipment. We can also include Business Interruption insurance to help cover lost income and additional expenses if your facilities are damaged and operations are temporarily disrupted. Contact Us
Horse insurance
Invariably, if you own horses, you are likely going to want to protect them using insurance. Horses are usually expensive to purchase and keep, let alone the associated costs should they become ill and/or need treatment. Horse insurance (also often referred to as livestock insurance) can protect against unexpected costs such as veterinary fees, accidental injury, illness, theft, or death. Policies can be tailored for competition, breeding, or leisure horses to reflect their true value and use. Contact Us
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Other insurances for Equestrian Businesses
Management Liability insurance (Rural Protect)
Rural Protect is a tailored Management Liability Insurance solution designed for rural businesses – whether you trade as a sole trader, partnership, or limited company.
With Rural Protect, you can benefit from cover for Directors’ and Officers’ Liability, Employment Practices Liability, and Company Legal Liability, ensuring that both the business and its key decision-makers are protected against a wide range of potential claims and disputes. This could include allegations of negligence, breaches of duty, contract disputes, or employment tribunal claims.
In addition, the policy includes Pursuit Cover, which enables you to take legal action against third parties – for instance, to recover unpaid invoices or enforce contracts. You’ll also gain 24-hour access to rradar through the policy, a leading law firm that provides expert advice and practical guidance on regulatory compliance, HR, health and safety, fraud, and more.
Horsebox insurance (Motor Vehicle cover)
Specialised vehicles such as horseboxes, horse trailers, and 4x4s often form an essential part of an equestrian business’s operations, whether you’re transporting horses to competitions, vet visits, or client yards. Given their high value and critical role to your business, it’s vital these vehicles are properly insured under a policy tailored to your specific use.
Our rural team can help you identify the right level of protection for your vehicles, ensuring compliance and continuity whether they’re used privately, commercially, or off-road. For more information on protecting your vehicles, visit our Agricultural Vehicle Insurance page.
Loss Recovery
Loss Recovery Insurance provides valuable support at the critical time of a large loss by appointing an independent, professional Loss Adjuster to work on your behalf, alongside our in-house Claims Team. Their role is to assess the extent of the loss, put a value to this, support management of the claims process, and negotiate a fair and timely settlement with your insurer.
Having an expert dedicated to protecting your interests helps ensure your claim is handled efficiently, with the aim of minimising downtime and stress to your business and you.
For further guidance, read our detailed article on Loss Recovery Insurance to understand how it works and when it can make the greatest difference.
Business Interruption insurance
When an unexpected event disrupts your equestrian operations, such as a fire, flood, storm damage, or the theft of essential equipment, Business Interruption Insurance can provide a vital financial safety net. This cover helps protect your income during periods when your business is unable to operate as normal, helping you to continue meeting essential financial commitments like employee wages, loan repayments, and supplier contracts.
Our team will help you understand how to calculate an appropriate indemnity period and sum insured, helping to ensure your equine business insurance provides the right level of protection to help you recover quickly and confidently after an insured loss that impacts operations.
Find out more in our blog – What Is Business Interruption Insurance?
Equestrian Business Risk Management & Loss Prevention
Running an equestrian business involves managing complex risks where horses, people and property are closely connected. To support safer working practices and help protect your business, we have developed our Equestrian Business Risk Management and Loss Prevention booklet.
The guide aims to complement your insurance by focusing on proactive risk management, providing practical insight into health and safety responsibilities, legal obligations, risk assessments and incident management. It is designed to help equestrian business owners evidence good practice, reduce the likelihood of accidents, and strengthen claims defensibility should an incident occur.
Why work with McClarrons?
At McClarrons, we can offer equine business insurance solutions that reflect the realities of your work. Whether you run a busy riding school or operate a transport company, we can help you find the right balance of protection, value and flexibility.
Your dedicated advisor will take time to understand your business operations, highlight areas of potential exposure, and help design a portfolio that fits your needs – from horse insurance and horsebox insurance to liability and business interruption protection.
Equine Business Claims
If you need to make a claim, our in-house Claims Team is here to support you every step of the way. With a clear understanding of equine businesses, we liaise directly with insurers, loss adjusters and third parties on your behalf, managing the process from initial notification through to settlement.
Whether the claim involves property damage, liability or care, custody, and control, our aim is to present your claim accurately and robustly. We focus on minimising disruption to your day-to-day operations and providing clear communication throughout. By taking care of the complexities, we can help you return to running a successful equestrian business as smoothly and quickly as possible.
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Contact an Equestrian Business Insurance Specialist
You can start your enquiry by filling in the contact form and one of our specialists will be in touch.
Alternatively, you can contact the team on 01653 609152.
Equine Business Insurance FAQs
What does equine business insurance cover?
Equine or horse business insurance can protect your business against a range of financial risks associated with working with horses and running a business. It can include Public Liability, Employers’ Liability, Care, Custody & Control, and insurance for stables, equipment, and vehicles such as horsebox insurance. It can also extend to Business Interruption cover and specialist protection for horses through dedicated horse insurance policies. Depending on your set-up and operations, there may also be other areas of cover we suggest you consider.
What Livery Yard Insurance do I need?
Running a livery yard comes with a variety of responsibilities, from the care of clients’ horses to managing facilities, staff, and visitors. Each of these activities carries potential risks, making livery yard insurance essential to safeguard your business from potential financial loss and liability.
Comprehensive horse business insurance for livery yards typically includes protection for third-party injury or property damage, cover for horses in your care, under care, custody & control, and employers’ liability insurance, which is a legal requirement if you employ staff, even on a casual basis. It can also include buildings, stables and contents insurance to protect your property and equipment from risks such as fire, theft, or flood, and business interruption insurance to help your business recover financially following an insured event.
At McClarrons, some of our rural insurance specialists have a first-hand understanding of equestrian businesses and the challenges of running a livery yard. We can work with you to help arrange a tailored policy that reflects your operations, whether you offer full, part, or working livery, ensuring your horses, staff, and facilities are comprehensively protected.
What Riding School insurance do I need?
Running a riding school comes with unique risks from teaching lessons to managing horses, staff, and public visitors. Having the right riding school insurance in place helps protect your business, clients, and reputation.
Comprehensive equestrian business insurance can include public liability, care, custody & control, and employers’ liability cover, helping to protect you if a client or employee is injured or a horse in your care is harmed. You can also insure your stables, arenas, and equipment against fire, theft, or storm damage, and include Business Interruption cover to support income if operations are disrupted.
At McClarrons, we understand the challenges of running a riding school and can help tailor cover to suit your specific activities.
Do I need insurance if I run a livery yard or riding school?
Both livery yards and riding schools face specific risks — from injury to horses or clients, to property damage or staff and customer accidents. Insurance for riding schools or livery yards can be designed to protect you against such exposures and meet legal obligations such as Employers’ Liability cover. Having the right equestrian business insurance helps safeguard your facilities, staff, and clients.
What is Care, Custody & Control insurance, and why is it important?
Care, Custody & Control (CCC) insurance helps protect your business if a horse in your care, but not owned by you , is injured, becomes ill, or dies, and the owner holds you responsible. It can cover the related legal costs and compensation relating to such an incident, which can become very costly.. CCC is a vital component of most equine business insurance policies, it is a vital component for almost all equine business insurance programmes.
Is horsebox insurance different to standard vehicle insurance?
Horsebox insurance and horsebox trailer insurance are tailored to vehicles used for transporting horses and often include features not found in standard motor policies, such as cover for animal transit and specialist equipment.
Do I need horse insurance if I already have horse business insurance?
While equine business insurance can cover your operations, property, and liability, horse insurance specifically helps protect your horses against illness, injury, theft, or death. It can also include vet fees and loss-of-use cover, providing financial protection for your most valuable assets. Learn more with our guide to horse insurance. Most likely, your business insurance programme will cover any livestock owned but it is obviously a key element to review.
What is Business Interruption insurance and how does it help equestrian businesses?
Business Interruption insurance can provide financial support if your business cannot operate normally after an insured event such as a fire, flood, or theft – due to material damage. It helps cover lost income, ongoing expenses, and additional costs such as hiring temporary facilities or replacing essential equipment. This can help ensure your equestrian business can recover quickly and remain financially stable in the event of such an incident.
Do farriers need specialist insurance?
Farriers face unique professional risks, including injury to horses or clients, damage to property, and liability claims arising from their work. Insurance for farriers can include Public Liability, Professional Indemnity, and many other covers which can help ensure that your business is protected if an incident occurs.
How can McClarrons help my equestrian business?
At McClarrons, our rural insurance specialists understand the complexities of equine businesses. Many of our team have personal experience in the equestrian sector, enabling us to provide knowledgeable advice and tailored equine business insurance solutions. We’ll assess your operations, highlight potential risks, and helps ensure your policy provides the right protection. Should you need to make a claim, our in-house Claims Team will guide you every step of the way.
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