Ensuring the safety and security of your equestrian association is paramount. Regardless of the size of your organisation, having the correct insurance in place is essential to protect your members, employees, and the general public. At SEIB, we specialise in providing tailored insurance solutions designed to meet the unique needs of equestrian associations.
With an equestrian association insurance policy from SEIB, you can be confident that you have the two key types of cover necessary to safeguard your association:
Public Liability Insurance
Public Liability Insurance is crucial for protecting you against claims made by third parties for accidental bodily injury or property damage. Whether it's an accident during an event or an incident involving a member of the public, this insurance ensures that your association is shielded from potentially significant financial liabilities. Our comprehensive cover means you can focus on running successful events and activities without the worry of unexpected claims.
Employers’ Liability Insurance
Employers' Liability Insurance is a legal requirement for most organisations, including equestrian associations and societies. This insurance covers compensation costs arising from bodily injury caused to your employees, this includes full/part time employees, as well as volunteers and those on work experience. Importantly, our policy extends to cover any judges who are representing your association at both affiliated and unaffiliated events. This cover ensures that everyone working and volunteering on behalf of your association is adequately protected.
A personalised service
We understand that each equestrian association is unique. Our team of experienced insurance professionals will work closely with you to understand your specific needs and provide a tailored insurance package that offers complete peace of mind. From small clubs to large organisations, we have the expertise and resources to ensure that your association is fully covered.
To request a quote, please complete the form below and a member of our team will be in touch shortly.
Top Five Equestrian Association Insurance Misconceptions
Even if you don’t organise equestrian events directly, you still have liability exposure for any events held under your association’s name. Additionally, you have contingent liability for affiliated events conducted according to your rules and Employers’ Liability for volunteers. Remember, it’s your name on the line.
Volunteers are included under the definition of ’employee.’ If a volunteer working under your supervision sustains an injury, Employers’ Liability insurance protects you.
When you have a judging panel, you are recommending judges to attend affiliated shows on behalf of your association. These judges are considered employees by definition while operating under your rules at your affiliated events.
Even if they also work for other classes or associations at the same event, you could be held liable for their actions when they’re representing you.
While your primary goal may be raising awareness rather than generating revenue, your association still faces significant liability risks. The efforts you invest in organising shows and promoting the equestrian world play an important role, and financial exposure for your association remains substantial.
We work with insurers to provide comprehensive coverage for all your activities and serve as your single point of contact for insurance queries and concerns.
Using a broker like SEIB, with over 60 years of experience in equestrian insurance, means you have a qualified professional managing your insurance needs. Online policies might be convenient, but they may not cover all aspects of your activities. Some insurers explicitly exclude claims related to animals and ridden animals.
With SEIB, you have a dedicated claims service to assist you every step of the way. Defending a bodily injury claim can cost six figures before liability is even established.
