Equine Insurance for Horse Businesses, Equestrian Services, Retailers and Manufacturers

Equine Business Insurance is a broad term for commercial insurance arranged around businesses operating within the horse and equestrian industry. That can include riding schools, livery yards, trainers, studs, equine contractors, horse transport businesses, saddlers, retailers, manufacturers, importers, event operators and other businesses supplying goods or services to the sector. The right arrangement depends on what the business actually does rather than simply the fact that horses are involved.

No. This page is for commercial equine and equestrian businesses, not private horse mortality, veterinary-fee or personal leisure-riding cover. Businesses centred on riding schools, livery, training or studs can also explore Equestrian Business Insurance.

Suitable riding-school enquiries can be introduced to specialist brokers. Cover can reflect horse numbers, pupil ages, lesson formats, instructor qualifications, employees, riding areas and any hacking, trekking, livery or competition activities. Riding School Insurance provides more detailed information for commercial riding schools.

Potentially. The insurance arrangement can reflect whether the yard offers DIY, assisted, part, full, training, competition, retirement or grass livery, together with the number of customer horses, buildings, land, employees and additional activities. Livery Yard Insurance provides detailed information about DIY, assisted, part, full, training and other commercial livery arrangements.

Potentially. A trainer may keep customer horses at their own yard or travel between other premises. Protection can reflect the disciplines involved, horse numbers, custody responsibilities, employees, transport and competition attendance across dressage, showjumping, eventing or racing.

Potentially. Stud-farm cover can reflect breeding stock, stallions, mares, foaling, customer horses, youngstock, buildings, grazing, employees and sales or training activities. Breeding and foaling services create responsibilities that differ from ordinary livery.

Yes, suitable enquiries can be introduced to specialist brokers. Equine contractors may undertake fencing, arena work, yard maintenance, drainage, stable work or wider services across several customer premises. Equine Contractor Insurance is the dedicated route for contractors working across horse yards, farms and equestrian premises.

Potentially. The insurance arrangement can reflect the exact hoof-care services provided, whether hot shoeing is undertaken, use of portable forges and specialist tools, work at customer yards and whether employees or apprentices are involved.

Potentially, but commercial horse transport needs to be described clearly. The broker may require details of vehicle type, horse capacity, journeys undertaken, drivers, loading procedures, whether transport is for reward and responsibility for customer horses while travelling.

Potentially. Rehabilitation businesses can combine responsibility for customer horses with specialist equipment such as water treadmills, dry treadmills, pools or horse walkers. The insurance arrangement can reflect what treatments or rehabilitation services are provided, qualifications, equipment values, horse numbers and whether horses stay at the premises.

Yes, suitable businesses can be considered. Saddle makers may manufacture, repair and retail products, while saddle fitters can also provide specialist professional advice to customers. Saddle Maker Insurance provides specialist information for saddlers, saddle makers, repairers and fitters combining craft work, customer property and products.

Potentially. A retailer may sell saddles, bridles, bits, rugs, boots, grooming equipment, yard supplies, clothing and safety products from a shop, trade counter or larger equestrian store. Relevant considerations include stock values, products sold, premises, online sales and whether fitting, repair or importing forms part of the business. Shop Insurance can combine customer liability, contents, stock and premises protection for equestrian retailers.

Potentially. Online tack shops, clothing businesses, supplement retailers and other equestrian ecommerce businesses should disclose what they sell, stock locations, annual sales, importing, own-brand products and whether goods are stored at home, in warehouses or self-storage. Website And Online Business Insurance addresses ecommerce systems, customer information and online trading alongside the products sold. Cyber Insurance may assist with eligible incidents affecting websites, booking platforms, payment systems and customer records.

Potentially. Manufacturers can produce saddles, rugs, clothing, stable equipment, jumps, arena products, grooming products, horsebox fittings and many other specialist goods. The insurance arrangement can reflect materials, machinery, production processes, testing, finished products and where goods are sold. Manufacturers Insurance can bring production, machinery, stock, premises and product responsibility into one commercial arrangement.

Potentially. Businesses importing saddles, rugs, tack, equipment, clothing or other products should disclose source countries, overseas manufacturers, own-brand goods and sales territories. Importers & Exporters Insurance addresses overseas sourcing, transit, stock and UK product responsibilities within international trading. Wholesaler Insurance is relevant to businesses holding equestrian stock in quantity and supplying trade customers. Distributor Insurance can reflect branded product ranges, warehousing, transit and supply through retail or trade networks.

Potentially. Relevant considerations include whether the business simply retails recognised UK products or actually manufactures, imports or own-brands feed, treats or supplements. Stock arrangements, product responsibility, warehouses and deliveries can all be relevant.

Potentially. Horse shows, competitions, demonstrations, clinics and training days can involve competitors, spectators, horses, traders, officials and temporary structures. Events Public Liability Insurance may be relevant to the organiser, while Event Venue Insurance focuses on premises operated substantially as commercial event venues.

Some equine businesses can operate partly from home. Examples include riding instructors, consultants, mobile contractors, saddle fitters and ecommerce retailers using a home office for administration or keeping smaller quantities of stock and equipment. Relevant considerations include whether customers visit, stock or machinery is kept there and whether any workshop activity takes place. Working From Home Insurance may be relevant where administration, equipment, stock or customer visits involve a residential address.

Potentially. Equestrian retailers, mobile businesses and event operators may store tack, rugs, jumps, tools, equipment and packaged stock away from their main premises. Business Goods And Stock In Self Storage and Storage Insurance explain different options for eligible property at declared storage locations.

The enquiry should cover the entire business rather than only its main occupation. Useful information includes horses owned or handled, customer horses, riding or training activities, livery, breeding, transport, contracting, treatment services, products manufactured or sold, importing, premises, land, employees, vehicles, machinery, stock, professional advice and events. For a combined business, provide a sensible split of the different activities and turnover.