Public Liability and Equine Insurance
Whilst looking for equine insurance, you may have seen ‘Public Liability’ as an option to add to your quotes. Public liability insurance provides cover on any third party injury or accident that may occur because of your horse. Today Animal Friends Equine is giving you the specifics on why you should consider public liability insurance.
Why do you need Public Liability cover?
Public Liability insurance is a requirement on many livery yards, to ensure that any damage caused by your horse can be paid for, whether it is to the livery property or to other horses. This cover means that you do not have to pay for the damage out of your own pocket, which can sometimes equate to several thousand pounds worth of damage.
It also covers you in case your horse manages to get loose of his stable, as many accidents can occur in this eventuality. Should he cause a car accident or cause damage to property such as a car then you can claim this on the public liability cover, and also if your horse kicks at a person or another horse this cover will protect you.
Should your horse be prone to unruly behaviour it may be especially prudent to consider public liability, as a rearing horse can throw a rider, causing serious injury. In a case where you allow other people to ride your horse, this can be disastrously expensive should someone decide to sue, so public liability cover is a must.
We recommend you choose to have public liability cover as in our current ‘no win no fee’ climate, people are more prone to suing when an accident does occur, and there are many stories of people claiming for ridiculous amounts after an accident. Mandatory cover on horse insurance includes death, theft and straying so it is recommended that you take out a good level of Public Liability which will give you peace of mind at very little extra cost, so you don’t have to worry when things go wrong.
Animal Friends insurance offers public liability as well as a range of comprehensive policies to choose from; it costs little to add public liability to any of your choices of cover, and you can select either a £1million or £3million limit.
You can retrieve a quote from our site here, and if you would like to read more on the importance of equine insurance then follow the link to our helpful article.
