Running a business can be incredibly rewarding; however, due to the nature of equestrian businesses, there are various risks associated that you need to be protected against. 

At Ravenhall Rural, we work with livery yards, riding schools, farriers, breeders, trainers, and more to understand their unique risks and establish insurance that helps protect business owners from unexpected accidents and legal claims. 

Why do you need equine-specific cover? 

​ Like any insurance product, your cover should be tailored to your business’s needs, supporting risk management. Your cover may need to include: 

• Public Liability – this can help safeguard your business against claims made by the public for injury or property damage caused by your business activities. For example, if a visitor to your equestrian facility is injured or their property is damaged due to your business operations, public liability insurance may assist in managing the claim.
  

• Employers’ Liability – this is often a legal requirement if you employ staff. It is designed to help address claims relating to injury, illness, or death that occurs while employees are carrying out their duties. For example, if a worker is injured while riding or handling horses, or develops a work‑related illness, this cover may assist with the associated costs
  

• Products Liability – this is designed to help manage claims related to the products you sell or manufacture. This could include saddles, clothing, riding equipment, horse feed, or other equestrian products. If one of your products is alleged to have caused injury or damage, this cover may assist with the costs of defending a claim.
  

• Care, Custody and Control (CCC) – this is designed to help manage claims if a client’s horse is injured or dies while under your care, custody, or control. For example, if a horse is stabled at your facility and is injured due to negligence (such as poor fencing or inappropriate handling), this cover may assist with the related costs. 

These types of equestrian-focused insurance policies are designed to help manage claims if you are deemed liable or to assist with the costs of defending a claim. The right combination of Insurance supports your business operations, helps protect you, your employees, and customers, and helps you to continue operating with greater