Public Liability Horse Insurance

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 £48.22.

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 horse insurance

Features & Documents

Public Liability Insurance – Summary & Premium Indication

This provides cover for third party public liability claims made against you and named individuals in respect of a specific named horse(s) as detailed on the policy.  Cover is extended to include anyone riding or handling the named horse(s) with the permission of the Insured other than a professional as they should have their own cover in place.

Cover is available at £2,000,000 per incident or £5,000,000 per incident.

A £250 excess is applicable to this policy in respect of third party property damage only.

Premiums below are indications only and include Insurance Premium Tax.

Rating Factor

£2,000,000

£5,000,000

 

Premium

Premium

Per Horse

£48.22

£78.36

If you wish to purchase a policy or find out more about our products, please complete an enquiry form.

Public Liability – Cover Available

An Equine 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.

Public Liability – Policy Documents

Proposal Form

The proposal form can be downloaded and completed in full if you require a quotation or should you wish to take out cover following a quotation you have already received.

    Terms and Conditions

    The Terms and Conditions outline the full details of cover available under a KBIS Liability Policy.

    Please note the Terms and Conditions specific to the cover you hold will be sent out with your certificate of insurance.

    Policies taken out on or after 01/01/2021

    Policies taken out between 01/01/2019 and 31/12/2020

    Policies taken out on or before 31/12/2018

    Insurance Product Information Document (IPID)

    The IPID outlines the significant features, benefits, exclusions and limitations of the KBIS Liability Insurance Policy. It does not contain the full Terms and Conditions.

    Policies taken out on or after 01/01/2021

    Policies taken out between 01/01/2019 and 31/12/2020

    Policies taken out on or before 31/12/2018

    Public Liability – Claim Forms

    General Liability Claim Form

    Should you need to make a claim on your policy it is important that you notify KBIS as soon as possible.

    The following guide will help to ensure that you have complied with the terms of your policy with regards to claims notification. It is important to adhere to these conditions as failure to do so may prejudice your position with underwriters.

    1) Initial notification

    Contact KBIS as soon as possible. You can contact KBIS by:

    Phone:

    UK Telephone No: 0345 345 2323
    Outside UK: +44 (0) 1635 247474

    View our office opening times here

    Email:
    ask@kbis.co.uk

    2) Obtain a Claim form

    You can download a General Liability Claim Form above.

    If you have contacted our offices we can arrange for a form to be sent by post, including a free post envelope for the return of your form and documentation

    3) Collate all necessary information

    In order for us to process your claim in the most efficient manner it is important that we have all of the relevant documentation, as requested, to enable us and the underwriters to consider the claim in its entirety.

    4) Send the completed form and documentation to KBIS

    Please note that we are unable to give any indication whether a claim is likely to be paid without the completed claim form and invoices.

    Request a Quote

    To obtain a quote you can either complete an online proposal form or contact us by phone.

    Complete an Online Proposal Form

    You can complete an online proposal form which will be submitted directly to our office and a quotation will be emailed to you within one working day.

    Contact Us

    Call us on 0345 230 23 23 and select option 4.

    View our office opening times here

    Get A Public Liability Horse Insurance Quote

    Frequently Asked questions

    What liability cover is available?

    The cover options available under liability policies are specific to each individual policy but the main areas include:

    Public Liability
    Covers against bodily injury to third parties and damage to third party property
    Employers Liability
    Cover against bodily injury to people employed by you or your business
    Custodial Liability (Care, Custody & Control)
    Cover against death/accidental injury to horses/ponies under your care, custody or control.

    What does limit of indemnity refer to?

    The phrase ‘Limit of Indemnity’ is the insurer’s maximum liability in respect of any one event or series of events i.e. it is the total to which you are covered up to. In some cases you will be offered a choice of the limit of indemnity and in other instances the level of indemnity will be fixed.

    When offered a choice, for example Public Liability cover up to £1,000,000/£2,000,000 or £5,000,000 the higher limit of indemnity will mean that you will pay a slightly higher premium. In the event of a claim you will have to provide evidence in order to substantiate the amount to be claimed.

    What is Public Liability?

    Public Liability covers you against bodily injury to a third party or damage to a third parties property as a direct result of your negligence. Public Liability cover will normally be offered with a choice to the limit of indemnity. The scale of benefit will be outlined in the individual terms and conditions of the policy.

    Public Liability cover, although not law, is essential for any business, event /show, club, instructor or trainer and is often a requirement when taking out Employers Liability.

    What is Employers Liability?

    Employers’ Liability provides cover for any bodily injury, sickness or disease sustained by your employees as a result of the business’s negligence.

    Employers’ Liability is a requirement by law under the Employers’ Liability Act 1969 and should be in place for anyone working on your behalf, whether full time, part time or in training.

    When taking out employers’ liability it is often a requirement to also take out public liability cover.

    You can find out more about employers laibility here – http://www.hse.gov.uk/pubns/hse40.pdf

    What is Custodial Liability (Care, Custody or Control) Insurance?

    Custodial Liability insurance provides cover against the death and/or accidental injury to horses/ponies that are in your care, custody and control, such as full time liveries or working liveries, in respect to a claim that is made against you by the owner.

    A benefit will be paid for veterinary fees and/or the current market value, up to the limit of indemnity, in the event of an accident, sickness, disease or mortality of the horse.

    Most policies will offer a choice in the limit of indemnity per horse but up to up to a maximum limit of indemnity in the policy period.

    Can you tailor a policy for my specific business needs?

    Yes our policies are designed, when possible, to offer you the flexibility to choose which areas you wish to take out and also provide extension of cover depending on your business requirements.

    In some policies certain cover is automatically provided where as in others it is offered as an additional extension to the cover. For example care, custody and control is automatically included in a riding establishment policy where as on a livery yard policy it is offered as an extension to cover – a DIY livery yard who isn’t handling client’s horses would not necessarily wish to take out this level of cover. Where as a livery yard offering full livery and therefore dealing with clients horses on a daily basis, care, custody and control would be a sensible option to consider.

    What information will I need to relay to insurers?

    It is important when obtaining a quote to tell your insurer as much information as possible in order for them to gain a good understand of your business and insurance needs. Failure to specify certain information may lead to having inappropriate cover, may affect any claims against the policy or both.

    When phoning up make sure you have the following information easily to hand:

    • Main Business Activity
    • Number of Staff
    • Number of Horses
    • Wageroll
    • Any other business activities
    • What insurance you currently have in place
    What about Health and Safety and Risk Assessments?

    KBIS, like all insurers, require that you comply with current Health and Safety guidelines as well as ensuring that you have appropriate risk assessments in place. Whilst we do not provide any risk management advice ourselves, the following two links may act as useful reference points and contain information on risk assessments and expected requirements, along with good practice advice for equestrian businesses:

    Health & Safety Executive

    Chartered Institute of Environmental Health Horse Riding Establishments & Livery Yard Guidance

    What happens in the event of a Claim?

    Liability claims are often a complex process and unlike in other claims procedures your insurance company will deal with the incident on your behalf. You will therefore need to forward any relevant documentation relating to the incident or solicitors letters onto you insurance company in order for them to defend your position in the event that you are not liable.

    In some cases a loss adjuster may be appointed by the underwriters to establish the exact cause of the loss.

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