How Good Documentation Can Support Livery Yards in the Event of a Claim

Running a livery yard comes with a wide range of responsibilities, from caring for horses and maintaining safe facilities to managing client relationships and delivering services professionally. In today’s increasingly litigious environment, having the right paperwork and policies in place isn’t just good practice, it’s vital.

In the event of an insurance claim or legal dispute, clear, written documentation can play a key role in demonstrating that a yard owner has taken reasonable and preventative steps to protect people, horses, and their business. That’s why our SEIB Rewards partners, LiveryList and the Yard Owner Hub, are offering expert advice on the importance of clear documentation and policies, helping yard owners stay protected and prepared should an insurance claim or legal dispute arise.

Livery Contracts: Setting Clear Boundaries

A professionally written livery contract is one of the most valuable documents a yard owner can have. Not only does it outline the services provided and what is (and isn’t) included, but it also sets out the responsibilities of both the yard owner and the livery client. This can cover everything from payment terms and turnout arrangements to rules on horse behaviour, vet access, and client conduct.

In the event of a dispute or claim, having a signed contract helps avoid misunderstandings and supports the yard owner in proving that clients were fully informed of the terms of service.

Health & Safety and Biosecurity Policies: Keeping Everyone Safe

Having a written Health & Safety Policy helps ensure that everyone on the yard—whether staff, liveries, or visitors—is aware of how to work safely and what is expected of them. This might include guidelines on:

• Safe handling of horses and personal protective equipment,
• Use of equipment and machinery
• Yard rules around children, dogs, or lone working
• What to do in the case of an accident or injury

Similarly, a Biosecurity Policy can outline yard expectations for vaccinations, worming, new horse isolation, and reporting signs of illness, helping to protect all equines on site and demonstrate a proactive approach to disease prevention.

Risk Assessments: Evidence of Due Diligence

Carrying out and documenting risk assessments is another crucial part of a yard’s risk management strategy. These assessments help identify potential hazards—such as fire risks, uneven ground, or high-traffic areas—and ensure that appropriate control measures are put in place. Examples include:

• Installing and maintaining fire extinguishers
• Ensuring clear first aid procedures and reporting
• Placing warning signage around the yard

Regularly reviewing these assessments not only promotes a safer environment but also demonstrates due diligence if a claim arises from an accident or injury.

Why It Matters

Should an insurance claim be made—whether relating to the livery services provided, use of the facilities, or actions of the yard owner or staff—having these documents in place can provide essential evidence. They show that the yard has taken reasonable, preventative steps to minimise risk and uphold high standards of welfare and safety.

While no paperwork can eliminate all risk, it can go a long way in protecting yard owners both practically and legally. It also helps build trust with clients and ensures clarity in all aspects of yard management.

Need help putting policies or contracts in place?

Resources, templates, and support are available on the LiveryList Yard Owner Hub, helping yard owners create the documentation needed to run a safe, compliant, and professional business.

About SEIB

SEIB Insurance Brokers have been providing livery yard insurance for decades. Our experienced team are here to help over the phone or through free yard visits to discuss your needs and provide tailored cover. To arrange a visit or get your personalised quote, complete our livery yard enquiry form here, call the team on 01708 850 000 or email info@seib.co.uk.