What yard insurance do I need?
Stables at home can be a dream come true and save money on expensive livery bills. Equally, running a livery yard can be a commercial venture or supplementary income to support your equestrian hobby. Both come with their own risks and insurance liabilities.
Shearwater's equestrian insurance experts give us a whistle stop tour of the various insurance required for yards.
Stable Buildings
Far more than just a shelter for your horse, your stables are the heart of your equestrian life. It is where you feed, train and care for your horses. The buildings themselves should have insurance in the same way you would insure your own home. A wide range of perils can be covered, including fire, theft, malicious damage, flood and storm. Giving you peace of mind that your investment is protected should the worst happen, equestrian buildings insurance.
Contents & Equipment
Equipment, feed, forage, saddlery and tack can all be high value items individually, but when combined you're looking at a significant investment. If this equipment is stolen or irreplaceably damaged, could you afford to replace it all? Contents insurance can give you the cover you need, ensuring you're back in the saddle much sooner.
Equestrian contents and machinery are often of a specific nature, and therefore require specialist insurance. These, and your finances, can all be protected, even extending to staff accommodation contents if required.
Livery Yard
A livery yard could be a simple has having a friend stable with you to support the running costs of the yard, or it could be a sizeable commercial venture. Either way the material damage cover does not differ. However, having a specific livery yard insurance police can offer a number of additional benefits. For example, Money Cover & Assault, and Business Interruption cover, can be included.
When it comes to liability insurance, specialist livery yard insurance again has it's benefits. Should a horse escape and damage third party property because the yard owner left a gate open, claims could be raised against the yard owner and not the horse owner. Additionally, Property Owners Liability is included in Livery Yard Liability Insurance, which protects the yard owner should a member of the public become injured on your land, or in and around your buildings.
To discuss your individual yard insurance needs call us today on 01992 718666 and one of our specialist equestrian insurance brokers will be pleased to assist.