Our Catastrophe Cover is an affordable vet fee option that can either be purchased as a standalone policy for just £300* or in conjunction with other cover benefits such as Mortality Insurance, Public Liability Insurance, Personal Accident Insurance, Trailer Insurance and/or Tack Insurance**.

This unique level includes vets fees up to a maximum of £7,500 in total during the policy period with a 15 month claim period. The cover is for accidental, external injuries only (i.e. involving an open wound), plus the inclusion of three life saving veterinary procedures; Colic surgery, joint or tendon sheath flushing as a result of sepsis, and surgery for pastern or pedal bone fractures.

It offers an alternative solution for those looking to have some form of insurance in place against major, lifesaving veterinary treatment for a much more affordable premium.

KBIS are able to provide both stand-alone Public Liability insurance for your horse(s) or, if you wish to insure the horse(s) for mortality and/or vet fee cover as well, then you can add public liability insurance onto our horse insurance policies.

Our stand-alone public liability policy includes cover for third party property damage and bodily injury should you be found legally liable. The policy not only covers you in the event that you are found legally liable but will also defend your position in court should Underwriters feel you are not responsible for an incident.

You can choose from a limit of £2,000,000 or £5,000,000 with annual premiums starting at £47.04.

If you would rather take out a horse policy and include public liability insurance then you can choose from an incident limit of either £1,000, 000, £2,000,000 or £3,000,000 for this cover option.

KBIS can offer cover for both your vehicle and your horse transporter business.  Each of our policies have been carefully designed to ensure the cover meets your needs and when required, specific extensions of cover are available. We also able to provide horsebox cover and breakdown for horse transporters.

KBIS Trailer Breakdown Insurance provides a quick and efficient service whether it is a simple puncture or a major breakdown. We will ensure that it is dealt with promptly reducing the stress of the incident to both you and your horse(s).

Trailer Breakdown Policies are just £132.08 for the year and include breakdown cover for your car even when you are not towing. Cover is restricted to England, Scotland and Wales. Normal underwriting criteria, terms & conditions apply. We are also able to provide separate Trailer Insurance Policies for accidental damage, fire and theft.

The KBIS British Eventing Personal Accident Insurance is a bespoke policy designed in conjunction with British Eventing to provide members with access to comprehensive personal accident insurance at preferential rates.

“Policies from just £152.72, including IPT.”

The policy provides cover for any accidents sustained whilst riding and handling horses, whether at home, schooling or out competing.

KBIS Freelance Riding Instructors Insurance provides comprehensive cover including Public Liability and Care, Custody or Control.

There are no limitations on when, where or the number of hours you teach and we can offer cover for qualified and non-qualified instructors.

“Our freelance instructors policy includes cover whilst teaching at home or away.”

We offer limits of indemnity at £1,000,000, £2,000,000 and £5,000,000 allowing you to choose a level of cover to suit you and your budget.

Having a personal accident policy in place is essential for any rider.

Stand-alone personal accident insurance policies provide a more comprehensive level of protection than the cover typically found within a horse insurance policy or association membership. KBIS’ policy covers the policyholder for accidents and illness which occur whilst riding and also for the unfortunate incidents which can happen at any time, such as falling down the stairs or suffering from a long-term debilitating illness.

“Receive a weekly benefit should you suffer an injury or illness which leaves you unable to work.”

The policy provides a number of benefits. Firstly, a lump-sum benefit designed to be used by the policyholder in the event of serious injury. Secondly, weekly benefits linked to income, which is designed to supplement the policyholder’s income should they be temporarily prevented from working. Finally, the policy provides cover for dental treatment not available on the NHS.

KBIS are able to provide both stand-alone Public Liability insurance for your horse(s) or, if you wish to insure the horse(s) for mortality and/or vet fee cover as well, then you can add public liability insurance onto our horse insurance policies.

Our stand-alone public liability policy includes cover for third party property damage and bodily injury should you be found legally liable. The policy not only covers you in the event that you are found legally liable but will also defend your position in court should Underwriters feel you are not responsible for an incident.

You can choose from a limit of £2,000,000 or £5,000,000 with annual premiums starting at £47.04.

KBIS offer a flexible insurance policy for Driving Clubs, including non-affiliates, to cover property, liability and personal accident insurance. The property section of the policy can include insurance cover for both owned and hired property as well as the option to include cover against vehicle damage (caused by a horse).

The personal accident section of the policy can include cover for club members, when riding at a club event, and also for instructors, officials and voluntary helpers. For Riding Clubs which are non-affiliates to British Riding Clubs (BRC) and therefore do not receive liability insurance under the BRC membership scheme, we can provide an insurance policy to cover Public Liability and, if needed, Employers Liability.

KBIS can offer cover for both your vehicle and your horse transporter business.  Each of our policies have been carefully designed to ensure the cover meets your needs and when required, specific extensions of cover are available. We also able to provide horsebox cover and breakdown for horse transporters.

KBIS can provide Point To Point Trainers with a comprehensive liability insurance policy, including Employers’ Liability, Public Liability and Care, Custody or Control.

Each of our policies have been carefully designed to ensure that the cover meets your needs and specific extensions of cover are available, such as facility hire. Other business activities can also be covered either combined under one policy or on two separate policies.

We have a range of other insurance products to compliment our liability policies such as property insurance (buildings and contents), and personal accident insurance.

KBIS offer a flexible insurance policy for branches of the pony club and riding or driving clubs, including non-affiliates, to cover property, liability and personal accident insurance.

The property section of the policy can include insurance cover for both owned and hired property as well as the option to include cover against vehicle damage (caused by a horse).

“Ensure your club’s property is protected against loss or damage, cover can be included for both hired and owned equipment.”

The personal accident section of the policy can include cover for club members, when riding at a club event, and also for instructors, officials and voluntary helpers.

KBIS can provide RacehorseTrainers with a comprehensive liability insurance policy, including Employers’ Liability, Public Liability and Care, Custody or Control.

Each of our policies has been carefully designed to ensure that the cover meets your needs and specific extensions of cover are available, such as facility hire. Other business activities can also be covered either combined under one policy or on two separate policies.

We have a range of other insurance products to compliment our liability policies such as property insurance (buildings and contents), and personal accident insurance.

KBIS offer a flexible horse insurance policy for Riding Clubs, including non-affiliates, to cover property, liability and personal accident insurance.

The property section of the policy can include insurance cover for both owned and hired property as well as the option to include cover against vehicle damage (caused by a horse).

The personal accident section of the policy can include cover for club members, when riding at a club event, and also for instructors, officials and voluntary helpers.

KBIS can provide comprehensive Riding School insurance policies with cover including Employers’ Liability, Public Liability, Care, Custody or Control, Cover for Facility Hire, Cover for up to 5 Shows and Pony Parties (when held on the property).

Each of our policies are carefully designed to ensure the cover meets the needs of the business and when required, specific extensions of cover are available, such as products liability or cover for other business activities.

We have a range of other insurance products to compliment our liability policies such as property insurance (buildings and contents), personal accident insurance and our specialist insurance for shows and events.

The KBIS event insurance policy is specifically designed to provide flexible cover options to meet the needs of organisers and equestrian centres. Whether running a single one day show, a number of events or a series of competitions throughout the year.

The policy provides essential cover including Public Liability, Employers’ Liability, Personal Accident and Event Cancellation. You can choose to cover a single component part or take out cover under all sections of the insurance policy. Our specialist liability department have the experience to guide you through the cover options available to ensure you have the protection you need.

KBIS can provide Competition Centre Insurance tailored to suit your needs. Insurance policies can include; Employers Liability, Public Liability and Care, Custody and Control.

We appreciate that your business may need to diversify to accommodate your customers, therefore we are happy to discuss your individual requirements, tailoring a policy to your needs.

We have a range of other insurance products to compliment our liability policies such as property insurance (buildings and contents) and our specialist insurance for shows and events.

When it comes to protecting your property we appreciate that it is more than just buildings and their contents, it is your home and contains items of value and significance to you. We also understand that when it comes to equestrian properties there is so much more to consider and you want to have peace of mind that not only is your home protected but also that of your horse’s.

“From horse feed and barns to your most valued household possessions, we can cover it all under one policy.”

That is why at KBIS we offer bespoke property insurance policies designed specifically with the equestrian property owner in mind. We can tailor a policy to cover the areas you are looking for, whether that is contents insurance, buildings insurance, insurance for all-weather schools, down to cover for your horse feed and tack. It can all be taken care of under one policy.

Our Property insurance covers both private residential properties and yards as well as commercial property insurance for equestrian businesses.

KBIS’ yard insurance policies are designed to meet the specific requirements of equestrian establishments from commercial livery yards, studs and event centres to private and competition yards. Tailored to suit your individual needs and appreciating that your business may evolve and change over time, we can adjust cover according to ensure you have a relevant and comprehensive policy in place.

Standard cover benefits include Employers Liability, Public Liability and Care, Custody & Control, whilst extensions to cover, such as facility hire or cover for shows held on the property, can be applied as required.

We can also offer Property Insurance (buildings and contents) for your yard, please click on the Yard Insurance link for more information.