Equine Business

Business Horse Insurance

Equestrian business insurance – Cox Mahon offers a comprehensive range of policies should you require insurance for your equestrian business.

Livery Yard Insurance

As a livery yard owner, the services you offer can range from DIY and grass livery—where horse owners come to your yard daily to care for their horses—to full livery, where you or your staff handle all the horses’ care. No matter the level of service, having a comprehensive livery yard insurance policy is essential to protect your business throughout the year. 

If a client or employee is injured on your premises, you could be held responsible. If your property is damaged by events like fire or flooding, you’ll need to cover repair costs to keep your business afloat. You may also face liability if a horse under your care becomes sick or injured. Livery yard insurance shields you from these risks. At Cox Mahon, we aim to minimise these exposures with a robust insurance policy that safeguards you and your business.  Regardless of the size of your yard or the services you provide, Cox Mahon can tailor a policy to meet your needs. Our protection reflects the way your business operates and may include:

• Cover for public liability
• Cover for employers’ liability, protecting you and your employees
• Care, custody and control to protect you and your employees when caring for the horses
• Property owners’ insurance for both commercial and domestic, covering buildings, contents and business interruption

With our in-depth knowledge, we’ll help you compare policies and find one you can trust, so you can focus on running your yard without worrying about potential issues.

Riding School Insurance

Every riding school operates differently, but the inherent risks are often the same. We understand that working with horses carries dangers, and that’s why it’s crucial your riding school insurance aligns with your activities. 

While some risks are obvious, finding the right insurance can be stressful. Your clients or horses could get injured, or your facilities could sustain damage. Weather events could also affect your business, disrupting operations like your café or tack shop.

Our riding school insurance provides wide-ranging cover and may include: 

• Public liability and Products liability to protect you in situations involving the people you teach as well as visitors
• Employers’ liability for those that help you with your business
• Care, custody and control to protect you and/or your employees when caring for other peoples horses
• Property cover for commercial or domestic use, with the ability to include cover for business interruption and business money
• Hiring out of your facilities and arenas
• Shows, events and camps protecting you as the organiser
• Cafés and tack shops covering business interruption, stock and more

Let us help protect your school so you can focus on nurturing riders without worry.

Equestrian Centre Insurance

Running an equestrian centre is dynamic and exciting, but it brings unique risks. From hosting competitions and training camps to offering livery services and hospitality, an equestrian centre is more than just a business—it’s a way of life. At Cox Mahon, we recognise the dedication that goes into managing a successful equestrian centre and are here to help safeguard your hard work. 

Whether you cater to high-level competitions or provide beginner training, we’ll ensure you, your clients, and the horses on your property are properly insured. Our Equestrian Centre Insurance is customised to fit your business and can include: 

• Cover for public liability
• Cover for employers’ liability, protecting you and your employees
• Property owners’ insurance for both commercial and domestic, covering contents, buildings and business interruption
• Cover for dealing, breaking, training, competition yards, equine facilitated learning/assisted therapy, stud, rescue, sanctuary, rehabilitation and show centres

Groom Insurance

Working as a freelance groom can be incredibly rewarding. Our flexible groom insurance gives you peace of mind, knowing you’re covered no matter what arises in your business. 

As a freelance groom, you likely visit various clients and stables, handling everything from riding to grooming and clipping. Whatever your tasks, it’s vital to have the right insurance to protect you from the unexpected. 

Our team will help craft a Groom Insurance policy that ensures you’re covered, no matter the activities you engage in. Cover can include: 

• Public Liability. This cover can protect you against claims where your actions cause an injury to a third-party or damage to their property.
• Care, Custody and Control Cover. This can cover injury or death of a horse in your care, where you’re liable.
• Option to include Employers Liability if you have staff, volunteers or apprentices.
• Personal Accident cover available if required

Riding Instructor Insurance

As a qualified riding instructor, you are highly skilled, but even with the utmost care, accidents can happen when working with horses. That’s why having the right Riding Instructor Insurance is so important. 

Instead of offering a standard one-size-fits-all policy, we’ll work with you to find bespoke, affordable cover tailored to your needs. Cover may include: 

• Public Liability. As above, this cover can protect you against claims where your actions cause an injury to a third-party or damage to their property.
• Care, Custody and Control Cover. This can cover injury or death of a horse in your care, where you’re liable.
• Option to include Alternative Therapy Methods i.e. Natural Horsemanship, Parelli, Equine Facilitated Learning
• Option to include Employers Liability if you have staff, volunteers or apprentices.
• Personal Accident cover available if required

Equestrian Event Insurance 

Organising an equestrian event demands patience, stamina, and attention to detail. No matter what type of event you’re running, making sure you have comprehensive insurance is critical in case the unexpected occurs. 

Whether it’s a one-day event or a series of competitions, Cox Mahon can help protect you, your team, and your event with specialised equestrian event insurance that may include: 

• Employers’ liability to cover those helping with the show including volunteers, judges and stewards.
• Event Public liability insurance to cover you as the organiser

We offer both annual policies for multiple events and one-off cover for single events.

Riding Club Insurance

Riding clubs provide riders of all skill levels the opportunity to come together, improve their abilities, and enjoy the camaraderie of fellow enthusiasts. Whether your club participates in competitions, events, or simply meets for leisure rides, riding club insurance is vital for safeguarding your members and organisation.  We understand that each club is unique, and we work closely with you to provide a policy that fits your specific requirements. Cover options can include: 

• Public liability. This cover can protect you against claims where your actions could cause an injury to a third-party or damage to their property.
• Additional employers’ liability which can cover volunteers, helpers, judges and stewards
• Protection for both members and non-members at the events your club partakes in
• Cover for equipment including tack and saddlery
• Directors and officers protection

Equine Specialist Insurance

As an equine specialist, your knowledge of horses sets you apart. Whether you specialise in equine health, rehabilitation, nutrition, or farrier services, we can tailor an insurance policy to suit your business. 

Our cover options may include: 

• Equine dentistry insurance
• Horse massage insurance
• Equine physiotherapy insurance
• Horse nutritionist insurance
• Worm counter insurance
• Saddle fitter insurance

Blacksmith and Farrier Insurance

Whether you’re crafting horseshoes as a blacksmith or fitting them as a farrier, your role in horse care is critical. It’s equally important to have insurance that protects you from any potential liabilities.  Our policy may include: 

• Public liability. This cover can protect you against claims where your actions cause an injury to a third-party or even damage to their property.
• Care, Custody and Control Cover. This can cover injury or death of a horse in your care, where you’re liable.
• Employers’ liability
• Goods in transit and tools

If required, we can tailor a policy to meet your specific needs. Most of our policies include public and employers’ liability, as well as cover for care, custody, and control, goods in transit, and specialist equipment.

Pony Party Insurance

Pony rides are a popular choice for special occasions, but they also come with risks. While your team may be confident in handling the ponies, accidents can happen, especially with excited children. 

Cox Mahon offers pony party insurance that covers public liability if a child is injured while riding, along with employers’ liability to protect you and your staff. Legal expenses can also be covered, and you can choose between annual or one-time cover. Whether you need one-off event insurance or ongoing cover for your pony ride business, we’ve got you covered.

Cox Mahon – Equine Insurance Brokers