Whether you are running a yard of racehorses, competition horses, polo ponies or the like, it is more important now than ever to be sure that you have got the appropriate Public and Employers’ Liability cover in place.
Lycetts was at the forefront of the construction of the essential equine liability coverages 30 years ago and has since continued to develop the scope and wording of the policy to better protect our clients should they be found liable. At Lycetts, we have plenty of experience when it comes to providing clients with specialist policies to protect them against claims for negligence from a third party or employee – something that is becoming more and more prevalent in today’s society. Due to the frequency and magnitude of claims seen in the equestrian liability sector, we provide policies with a £10,000,000 minimum limit of indemnity for both the public and employers’ liability.
All Equestrian Combined Liability clients are provided with a free copy of the “Lycetts toolkit” which enables clients to easily keep accurate records of their health & safety and risk management, information which is invaluable in the event of a claim.
At Lycetts we feel so strongly about looking after the racing and equestrian industry employers that, together with the National Trainers Federation (NTF) we launched the Lycetts Leadership and Team Champions Awards which encourages good practice amongst yards, helping to increase the industry standard – which will hopefully protect the industry in the long term.
It is mandatory for all racehorse trainers to hold public liability insurance in order to get their license and employers liability is a legal requirement in the UK – even for self- employed riders, grooms and volunteers.
Not only do our team have a wealth of knowledge in the insurance market, we are also heavily involved with various equestrian disciplines ourselves, meaning that you will be provided with the best advice from like-minded people.
If you would like to discuss your requirements for a Combined Liability, please do get in touch with one of our Account Executives who will be delighted to help you through the process.