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Livery Yard and Stables Insurance
We are accepting renewals but unfortunately cannot offer any new policies at this time.
- Liability insurance for horses belonging to a third party should they be injured in your care custody or control.
- Variety of covers including employers liability, transporting horses, freelance teaching and hiring out facilities.
- Material damage cover for the commercial equestrian property and domestic property, including contents cover.
One of the UK's leading independent insurance brokers
Why choose livery yard and stables insurance with Towergate?
Bespoke stables insurance policies
Tailored to meet the specific needs of your livery yard, stables and/or riding school, horses and ponies.
Public liability insurance as standard
Protecting you if members of the public suffer an injury or property loss or damage at the livery yard.
Livery yard employers' liability
Cover for volunteers, seasonal, part-time and full-time staff at your stable yard.
Pay by Direct Debit
Choose to spread your livery yard insurance payment into 10 monthly Direct Debit instalments.
About livery yard and stables insurance
Personal and commercial stables insurance
A busy commercial livery yard might present a higher level of factors for essential cover. However, whether you use your stable for personal or commercial use, we will be able to offer advice along the way, to help you find the right cover. We can help you reduce your risks for jumping courses or facilities (such as a horse walker), which are inspected periodically to check they meet health and safety regulations. Naturally, all stables’ insurance premiums and rates are dependent on risk and business factors.
Horse tack insurance and saddlery cover
Peace of mind is essential when it comes to tack insurance and saddlery cover. Our livery yard insurance policy will cover risks of accidental loss or damage. We will also go through policy details that will apply in the event of a break in or theft. If you list additional or specialist items, such as clippers or therapy massage pads, we can advise you regarding the cover available for these as well.
Livery yard equipment, stock, and contents insurance
A busy stable won’t just have grooming kits and mucking out equipment in daily use on site. Typically, there will be office equipment, such as the bookings computer and other essential electronics. Medical supplements and first aid equipment will also be on site, plus specialist horse care equipment in use by grooms, as well as straw, hay, bedding, etc. Just give us a thorough list of all the items that you would like to be covered, as we are able to offer cover for an extensive range of contents under this policy. Note our stable yard insurance cover is subject to certain minimum security requirements such as alarms and CCTV – please see your policy wording for full details.
Bespoke business interruption cover with your livery yard insurance
Any stable or livery yard could experience an interruption of business due to sickness, or other unforeseen circumstances. Factors, such as the duration of closure and staffing costs, are important considerations in this type of policy. Our purpose-built livery yard insurance will protect your revenue with bespoke business interruption cover based on your total income / revenue stream. Ask an adviser for details to ensure you are adequately covered.
Additional equine equipment covers (additional cover)
Can cover extensions of your property, such as quads, harrows, tractors, specialist machinery, and more. See your policy or speak to an advisor to check what conditions may apply.
When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.
- Find your insurance documents and make sure you have all your information at hand, including your policy number.
- Call the claims team on 01536 486 060 and explain exactly what happened.
- Provide photos if requested to help us understand what happened as quickly as we can.
Ready to get covered?
- Fill in our online quote form or call us
- Purchase your policy
- Relax - You're covered!
Livery yard and stables insurance FAQs
Stables are a complicated environment and you should ensure you are covered for the unexpected. Public liability insurance keeps you protected against any accidents that might befall visitors to your premises due to your negligence.
If you have a commercial livery yard, you need to ensure that you are covered for interruption of business due to sickness or other unforeseen circumstances. Furthermore, if you employ staff at your stables, you are required by law to have employers' liability insurance.
Trailers kept at stables will not be included in your livery yard and stables insurance policy and should be insured by the owner separately. We can cover these under our horse trailer insurance.
We can offer specific bloodstock insurance for this.
An excess is the part of a claim that you pay for yourself. Excess fees vary between horse insurance policies. Be sure to check your excess fees as well as your premium when selecting an equestrian insurance product. You may be offered a ‘flat excess’, which will remain the same regardless of the amount of the claim, or a ‘co-insurance contribution excess, which will be a percentage of the amount claimed.
You can take out custody and control (aka custodial) liability insurance, usually as part of an insurance package that includes public liability. It would protect you in the event of a livery horse injuring itself whilst in your care, or on your property. From small livery yards to large competition yards, different levels of cover are available to suit various business needs. They’re also based on the value of horses in your care.
Horse insurers won’t cover if there are multiple businesses on the same yard. Asbestos may be excluded and you may have to follows certain precautions to reduce the risk on the property ie. fencing muck heaps and ponds.
Certain things are excluded within our horse insurance policies:
- Slaughter (except on humane grounds) without our prior consent
- Illness or disease in the first 14 days from inception of the policy
- Destruction of the horse as a result of economic expediency
- Destruction of the horse as a result of an undiagnosed behavioural condition
- Liability if used in connection with a riding establishment or public rides/fetes
- Illness caused by a behavioural issue
See your policy document for full details.
If you would prefer to spread the cost of your livery yard and stables insurance policy, you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments through our preferred provider, Premium Credit Limited (PCL).
To find out more about PCL and direct debit payments, select Direct Debit.
We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.
See our range of cover
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