Riding School Insurance | Equestrian Experts

Riding School Insurance

Nurturing Your Passion for Riding and Teaching

As a riding school owner or instructor, you’re dedicated to fostering your love for horses and teaching people how to ride. It’s the same for us, we are dedicated to fostering our love for horses, but our role is making sure your riding school insurance provides the adequate protection you need. 

But running a riding school requires more than just a passion for horses; it requires insurance to protect against potential liabilities and the risks to your property. 

Our tailored Riding School Insurance, designed in collaboration with our insurer partners, can provide Public Liability, Employers Liability, Care Custody and Control, Product Liability and cover for your Property.

Each of our policies is carefully designed to ensure the cover meets your needs.

Tailored Coverage

Riding School Insurance – Liability

Our Riding School Insurance Liability policy is meticulously crafted to address the unique risks associated with operating a riding school, including:

Public Liability

This essential coverage safeguards you against claims arising from injuries or damages sustained by third parties on your premises or during riding activities.

A minimum of £2m limit for Public Liability (automatically £2.5m for ABRS, BHS, TRSS Pony Club and WTRA customers). Higher limits are available.

Employers Liability

This coverage protects you against claims arising from injuries or illnesses sustained by employees, volunteers and work experience staff during their work at your riding school.

Care, Custody & Control

This crucial coverage provides protection against claims arising from the death or injury of horses in your care, custody, and control. A standard £100,000 aggregate limit with a £10,000 per horse inner limit applies, although higher options are available.

Product Liability

This comprehensive coverage protects you against claims arising from injuries or damages caused by defective tack, equipment, or other products used at your riding school.

Additional Benefits for our Riding School Insurance Liability Protection

  • No minimum rider age for riding schools and licensed establishments.
  • No restrictive ratio limits for number of pupils per instructor.
  • No restrictions based on qualification of yard owners.
  • Automatic cover under public and Employer’s Liability sections for volunteers and work experience staff.

Riding School Insurance –  Property

We understand that every riding school has unique requirements, and for some, they may also want to include Property Insurance (buildings and contents). Our bespoke product can offer a range of covers to customise your coverage*, including:

Standard cover includes*:

  • Full perils including accidental damage on all sections of the policy.
  • Full perils on standard and nonstandard construction buildings.
  • Business interruption cover for loss of revenue.
  • Money cover to £5,000.
  • Goods in transit cover.
  • Loss of horse passports and documents benefit.
  • UK-wide, all-risks cover on all saddlery and tack.
  • Cover for private dwellings, buildings and contents, automatically covering accidental damage cover.
  • Arena floors covered as standard under buildings section.

Additional covers*

  • Increased Limits: Increase your coverage with higher limits for specific sections of the policy.
  • Cover for Facility Hire: Extend your coverage to cover events or activities held at your riding school.
  • Cover for Shows and Pony Parties: Protect yourself against liabilities arising from shows and pony parties held on your premises.
  • Cover for Other Business Activities: Tailor your policy to cover additional business activities, such as café operations or tack shop sales.

*subject to insurer agreement and meeting underwriting conditions.

Other insurance to consider

Our Riding School Insurance policy is just one element of insurance you may need. Our brokers can help secure the adequate cover you need for:

  • Private Stables and Livery Yards.
  • Personal Accident Insurance.
  • Events and Shows.
  • Horse and Horse and Rider Insurance
  • Vehicles, including Horsebox, Horse Trailer, Horse Transporter and a variety of other agricultural vehicles.
Taking responsibility for your riding school

Every horse riding school is unique and offers a different services to. Some run competitions, others have a tack shop or café, and many simply give horse riding lessons or offer trekking.

Whilst some riding school risks are obvious, finding insurance that fits around you can be time-consuming. That’s where Ravenhall Rural can help you. 

Whatever differentiates your school, our team of equine specialists can talk you through every available option relevant to you to make sure that cover is personal to you.

Contact Us

Your Source For Riding School Insurance Solutions

If you have any questions for a member of the Ravenhall Rural team, please contact us on 0345 216 3000, or complete the contact form.

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