Choosing equestrian business insurance can feel complex, especially if you’re considering cover for activities or situations that may not be included in standard policies. This article explores whether additional cover for special risks is possible and outlines some factors you might want to consider when reviewing your options. 

Can I add coverage for special risks? 

In many cases, additional cover for specialist risks may be available through policy endorsements (amendments) or by purchasing extra cover tailored to certain activities. Some providers offer options to customise policies, but availability and terms will vary, so it’s important to review what’s offered and consider whether it suits your circumstances.
 

Adding coverage for specialist risks can increase your premium, and costs often vary based on several factors, such as:

• Nature and complexity of the risk – Activities like equine-assisted learning, trekking, alternative provision or beach rides may carry higher premiums due to increased potential for injury. 
• Safety protocols – Some insurers consider factors such as certified instructors, first-aid training, documented horse assessments, rider registration forms, and risk assessments when setting premiums.
• Geographic location – Location can influence cost. For example, activities involving challenging terrain or public spaces may be associated with higher premiums.

Adding cover for special risks may help you manage exposures related to certain activities. Because cover for specialist risks can vary significantly between insurers and policy types, it’s useful to review your policy details or speak with a broker to understand what options are available and relevant to your circumstances.

If you’d like to explore equestrian business insurance options or learn more about common considerations, you can contact Ravenhall Rural’s specialist team . We have experience in equestrian business insurance and are active members of the equine community, so we understand the environment and can provide guidance to help you review available options.