Equine Yard Insurance Quotation

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Information You Must Disclose

The terms of any insurance that we arrange on your behalf will be based upon the information provided by you.

You must disclose all ‘Material Circumstances’ to us or your insurers, both at the outset and throughout the period of insurance cover. Material Circumstances are all the items of information that may influence the insurer’s decision as to whether to provide cover for your risk, the premium to be charged, and the terms of your insurance.

To identify what must be disclosed, you are required to carry out a reasonable search of your business and its activities.

As part of the search, you should consult with all senior management. This includes anyone who plays a significant role in the making of decisions regarding your business, regardless of whether that individual is a member of your board or is formally in a management role. This might include people such as site managers, risk managers, operational and business leaders. You will need to consider where to draw the line given the management of your business.

The most serious consequence of failing to disclose material information could be the invalidation of your cover. In this instance it would mean that a claim will be rejected.

The following must be disclosed:

Claims and loss history
Losses or incidents where claims were not made
Criminal (non-motoring) Convictions
Significant adverse credit history such as a CCJ
Previous declinature by insurers to provide cover
During the lifetime of the policy, you must notify us immediately of any changes in circumstance which may increase the possibility of loss, damage or legal liability covered by this policy.
This list is not exhaustive and if you are in doubt as to whether any change in your circumstances need to be notified to insurers then please contact us with the details as soon as possible.

Information You Must Disclose*

I confirm I have read and understood the ‘Information You Must Disclose’

General Details

Your Name*

First Last

Company Name

Company Website

What is your Company Type?*

Phone Number*

Alternative Phone Number

Email Address*

Correspondence Address*

Address Line 1* Address Line 2 Town or City* County* Postcode* Country

When do you need the insurance to start from?

DD slash MM slash YYYY

How long have you been trading for?*

Who is your current insurer?

Company Details

What is your Business Description

Racehorse Trainer Yard

Non-Racehorse Trainers Yard

Stud Yard

Competition Yard

Livery Yard

Riding School / Club

Freelance Instructor / Groom

Other

If your business description is 'Other' please provide a full description

What is your equine yard address?*

Same as previous

Address Line 1 Address Line 2 Town or City County Postcode Country

What is the annual estimated business turnover?

Please enter a number greater than or equal to 0.

Are you BHS / ABRS approved?

British Horse Society / Association of British Riding Schools

Yes

Please state the number of horses involved in the following:

Livery Yard

Riding School

Competition Yard

Stud Farm

Freelancer

Privately Owned

Risk Management and Loss Control

Please confirm the date of the last British Horseracing Authority Stable Inspection*

(BHA Stable Inspections, or equivalent, to be carried out at least every 2 years; for Non-Racehorse Trainer companies (and similar) where no BHA Stable Inspections are carried out, Underwriters require annual Health and Safety updates to take place.)

MM slash DD slash YYYY

Do you have a written Health & Safety Policy that is recorded, signed, dated and communicated to new and existing employees?*

Yes

Please confirm when the Health and Safety Policy was last reviewed?

MM slash DD slash YYYY

Do you have an appointed officer/representative for the implementation of Health & Safety issues within your organisation?*

Yes

If ‘Yes’ please provide the name and status of the person:

Do you have an induction and training program for all employees, that is recorded and signed by employees to say they have received the training?*

Yes

Do you have a risk assessment?*

Yes

Does your risk assessment document the below:

Please tick all that apply

Manual Handling around the yard

Hazardous substances within the yard

Working with or near horses

Are all employees, members of the public made aware of the risk assessment and its findings?*

Yes

Do you have an employees or students under the age of 18?

Yes

How many employees/students are under the age of 18*

Do any employees or students under the age of 18 undertake any riding?*

Yes

N/A

Are Risk Assessments carried out to take into account their age and lack of experience? Have they been signed off as competent to ride by an experienced member of staff?*

Yes

Do you provide accommodation for students or employees?*

Yes

If ‘Yes’, how many are catered for?*

Do you hire out your facilities?*

Such as paddocks, specific areas of the yard. Are your facilities hired out to riding schools?

Yes

If yes, please provide further information*

Do you undertake any pre-training or breaking in of horses?*

Yes

If ‘Yes’, please specify how many horses will be involved in this and who will be undertaking this activity?

Transport

Please confirm the number of vehicles owned.*

Please confirm the average number of trips per week.*

Please confirm the maximum number of horses that can be carried in any one horsebox/transporter at any one time.*

Public Liability

Public Liability protects your business against claims arising from accidental damage to someone else's property and injury to another person where you may be legally liable.

Do you require cover for Public Liability?*

Yes

What Public Liability Limit do you require?

£1m

£2m

£5m

£10m

Please confirm the number of racehorses

If none please add 0

Please confirm the number of privately owned horses: (not included above)

If none please add 0

Please confirm the number of stud horses: (not included above)

If none please add 0

Please confirm the number of breeding mares/youngstock: (not included above)

If none please add 0

Please confirm the number of foals: (not included above)

If none please add 0

Please confirm the number of foals: (not included above)

If none please add 0

Please confirm the number of livery: (not included above)

If none please add 0

Please confirm the number of livestock (Cattle/Sheep):

If none please add 0

Employers Liability

Do you require cover for Employers Liability?*

An employee is deemed to be any individual who undertakes any work for the insured whether paid or not. For example volunteers are classed as an employee

Yes

Please state the total number of manual employees / volunteers:

e.g. Stable workers

Full Time

Part Time

Please state the total number of clerical (non-manual) employees / volunteers:

e.g. Office workers

Full Time

Part Time

Please state the total number of students / trainees:

Full Time

Part Time

Please confirm your Employers PAYE Referacne number

If exempt, please type exempt.

What is the total annual wage roll?

Commercial Property and Contents

Do you require buildings cover for your establishment(s)?

Yes

What is the reinstatement value for your building(s) / stable(s)?

Please enter a number greater than or equal to 0.

Do you require contents cover?

Yes

What is the total replacement value for all general contents?

Please enter a number greater than or equal to 0.

Do you require cover for any riding associated equipment?

Yes

What is the total replacement value for all riding tack, rugs and saddles owned by your business?

Please enter a number greater than or equal to 0.

What is the total value of bedding, straw, hay and feed?

Please enter a number greater than or equal to 0.

What is the total value of all cups and trophies?

Please enter a number greater than or equal to 0.

Do you require cover for any computer equipment?

Yes

What is the total replacement value of any computer equipment?

Please enter a number greater than or equal to 0.

Do you require cover for any quad bikes / ATV's?

Yes

What is the total value of all quad bikes / ATV's?

Please enter a number greater than or equal to 0.

Care, Custody and Control

£50,000 any one horse, £100,000 in the policy period & Breach of Professional Duty

Do you require Care, Custody and Control Cover?

This covers your liability in respect of claims arising from injury or disease to the horses that are the property of other people but in your care or custody.

Yes

How many Horses are in your care?

What limit per Horse?

OTHER INFORMATION

Do you hold shows at your premises?

Yes

Number of shows held at premises per annum

Other Information

Are there any other comments you would like to make, information which you feel would be of interest to us or questions you have?

Claims and Declaration

Have you ever had any claims or incidents in the last 5 years that would have led to a claim under this policy?*

Yes

Please provide further information about the claims/incidents*

Date, description, amount paid or outstanding and the risk management carried out since the incident

Have you ever had insurance declined, cancelled or any special terms imposed?

Yes

Declaration (please tick to indicate that you agree to the below)*

Select exactly 8 choices.

I have not been the subject of a Receiving Order

I have not been the subject of an Administration Order

I have not entered into an agreement with creditors

I have not been a director of a company which has been wound up.

I have not been convicted of, cautioned or had a prosecution pending for any criminal offence other than motoring offences

I have not been disqualified as a company director.

I have not been prosecuted or subject to a prohibition or improvement notice under the Health and Safety at work act.

I have not ever had their insurance refused, cancelled or had special terms imposed.

How did you hear about CoverMarque & Handling of your data

How did you hear about CoverMarque - part of the Clear Group?*

Online Directory*

The Showman's Show

Open Air Business

KITSHIFT

StandOut

Advert*

StandOut Magazine

HEN Magazine

Open Air Magazine

Social Media*

Facebook

Twitter

Instagram

TikTok

Other*

Please confirm where you heard about CoverMarque - part of the Clear Group

Your marketing preferences

We’d like to keep you informed about our insurance products, services and offers. Please tell us how you would like to be contacted. By selecting any of these options, you agree that CoverMarque - part of the Clear Group (and Clear Insurance Management Limited) may contact you for marketing purposes using the methods you have chosen. You can change or withdraw your preferences at any time.

Select All

SMS

Phone

Post

Handling of data*

I accept the terms of how Clear Insurance Management Limited (and CoverMarque, part of the Clear Group) will handle my data. Read our customer Privacy Policy for more information.

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Equine Yard Insurance Quotation