Equestrian insurance is for people and businesses involved with owning, caring for, training, or using horses. This includes riding schools, livery yards, breeders, trainers, event organisers, and private owners. The equestrian sector faces unique risks, including animal welfare, public interaction, and property issues.

Horses are valuable, both financially and emotionally, and caring for them needs special attention. Injury, illness, or loss of a horse can be costly, whether it’s for vet bills, loss of use, or replacement. Insurance can cover vet fees, mortality, and sometimes loss of use, depending on what you need.

Facilities used in equestrian operations also present risks. Stables, barns, arenas, fencing and storage areas can be damaged by fire, storm, flood or vandalism. Equipment such as saddles, tack and machinery may also be exposed to theft or accidental damage. Repairing or replacing these assets can be expensive and disruptive to operations.

Public liability is a critical component of equestrian insurance. Horses are unpredictable animals, and even well-trained horses can behave unexpectedly. If a member of the public, client or visitor is injured, or if property is damaged, the business or owner may be held responsible. Liability cover helps protect against the legal and financial consequences of such incidents.

Employers liability may be needed if you have staff, like stable hands, instructors, or admin workers. This protects you if an employee is injured or becomes ill because of their job.

For businesses like riding schools or livery yards, there are risks linked to customers and horses owned by others. Care, custody, and control cover may be needed if you look after horses that aren’t yours, protecting you if an animal is injured while in your care.

Equestrian insurance can be tailored to your activities. Whether you focus on leisure riding, competitions, breeding, or training, the policy can be set up to cover your specific risks.

At base Insurance, we work closely with equestrian clients to understand their operations. We look at the number and value of horses, your facilities, how much you interact with the public, and the services you offer.

Equestrian activities involve a combination of responsibility, expertise and passion. Having the right insurance in place helps protect Equestrian activities require responsibility, skill and passion. The right insurance helps protect your investment and keeps your business running, so unexpected events don’t cause major disruption or loss.