Freelance groom
insurance
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Insure your horse groom business for liability with zero hassle
Freelance groom insurance is a public liability policy that protects equine professionals against claims for injuries or property damage that occur while working with horses or at client properties. It ensures financial protection for grooms handling unpredictable animals and specialised equipment.
In partnership with some of the leading UK insurers, we’ll not only get you a better freelance groom insurance deal with the best cover available, we work hard to keep you as a customer year after year.
Whatever you do for business, whether you’re a sole trader or limited business owner, we understand that you need to protect your livelihood.
24/7 claims service
We’re here for you round the clock when you need us most.
Fairer prices for all
We compare the market to find the right deal for you as a freelance horse groom.
World-class support
Our UK-based expert team are here to provide you with dedicated support.
We use a combination of technology and a wealth of experience to give you unrivalled cover and more affordable public liability insurance prices. Get a freelance groom liability insurance quote today.
With over 50 years of experience providing top-quality insurance for public liability, you can be sure we’ve got you covered.
What is freelance groom insurance?
Freelance groom insurance is a public liability policy that protects equine professionals against claims for injuries or property damage that occur while working with horses or at client properties. It ensures financial protection for grooms handling unpredictable animals and specialised equipment.
It covers a range of scenarios where your freelance grooming services could be held legally responsible for causing harm or damage.
Some key areas it typically includes are injury to third parties, damage to third-party property, legal expenses, and compensation claims.
Public liability insurance is crucial to horse grooms for several reasons:
- Business reputation: Insurance assures clients and yard owners that you take safety and professionalism seriously.
- Financial protection: Accidents such as horse kicks, falls, or broken tack can result in claims, which insurance helps cover.
- Client Requirements: Horse owners and equestrian centres often prefer or require proof of insurance before hiring you.
The benefits of a horse groom insurance policy
Personal injury claims
Freelance groom insurance protects you if someone is injured while you’re handling a horse, such as a member of the public being kicked or knocked over.
Damage to property
If you accidentally damage property, such as a stable, fencing, or a client’s tack, this insurance ensures you’re covered.
Legal protection
Freelance groom insurance covers legal fees for defending your business against claims, whether or not you’re at fault.
* Subject to your chosen level of policy cover and the prevailing policy excess.
How much does freelance groom insurance cost?
This depends on the nature and size of your freelance business, the level of risk involved and any claims history you might have.
The cost of public liability insurance varies based on several factors:
Type of cover
Cover levels typically start at £1 million and affect premiums. Higher limits may be needed with high-value horses or at large yards.
Nature of business
Premiums may be higher for grooms offering additional services, such as clipping, schooling, or exercising horses.
Location
Where you operate can also influence premiums, with busy livery yards or event environments increasing potential risks.
Business size and turnover
Grooms with a busy schedule and multiple clients may face higher premiums due to increased handling time and exposure.
Number of employees
If you work with other freelance grooms or assistants, this can raise your premium due to the added risk of third-party claims.
Claims history
A claims history can influence pricing; horse grooms with no prior incidents often secure lower premiums than those with.
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