Insurance Considerations for Livery Yards Hosting Events

We understand that many livery yards choose to diversify their services by hosting events such as unaffiliated competitions, clear round jumping, training clinics, or by hiring out their facilities to external instructors or third parties. These activities can offer great benefits to both the business and the wider equestrian community, but they also come with additional responsibilities and potential liabilities. Ensuring appropriate insurance cover and risk management is essential.

That’s why our SEIB Rewards partners, LiveryList and the Yard Owner Hub, are sharing expert guidance on the key insurance considerations every yard owner should know when hosting events.

Types of Events and Activities

Events at livery yards can vary in format, from casual clear round sessions and schooling days to more formal competitions or educational clinics. In other cases, yards may hire their arena or cross-country course to external instructors who use the space to teach their own clients. Each of these scenarios introduces different risks, and it is vital that yard owners assess and understand what their current insurance covers—and what it does not.

Public Liability and Event Cover

Standard livery yard insurance may not automatically include cover for events open to the public or third-party instruction. Public liability insurance must specifically extend to the types of events being held, including any increase in footfall or risks associated with non-resident horses using the facilities. Some insurers require that events be disclosed in advance, while others may offer an additional or temporary extension of cover.

If the yard is organising and running the event themselves, they may also require event-specific insurance, which covers incidents involving participants, spectators, volunteers, and temporary structures or equipment.

Third Parties Using Facilities

If an external instructor or coach is invited to run a clinic or hire the facilities for their own clients, it is essential that they provide proof of their own insurance, including public liability and professional indemnity. Yard owners should request a copy of this documentation in advance and ensure that it is valid and appropriate for the activity taking place.

In some cases, insurers may require a written agreement or terms of hire that clearly defines responsibilities, usage limits, and liability. This can help prevent disputes and ensure that everyone involved understands their role in maintaining a safe environment.

Risk Assessments and Safety Measures

Holding events, whether small or large, necessitates a robust approach to safety planning. Yard owners should carry out thorough risk assessments for every type of event, identifying potential hazards and documenting the steps taken to reduce or control them. This could include:

• Ensuring the footing of arenas, walkways and riding areas are safe and suitable
• Clear signage and barriers to manage spectator areas, parking and equines
• Emergency procedures and access for emergency vehicles
• Fire safety checks and equipment

Additionally, first aid provision must be adequate for the scale and nature of the event. This might mean having a qualified first aider on site or even requiring medical support for larger events. A clear plan for managing incidents and contacting emergency services is crucial.

Safeguarding and Duty of Care

Livery yard owners have a duty of care to everyone on site during events, including participants, visitors, staff, and volunteers. Safeguarding measures should be in place, especially when working with young or vulnerable individuals. Clear procedures, appropriate supervision, and visible emergency contacts help ensure a safe and professional environment, reinforcing the yard’s commitment to safety and well-being.

Participant Documentation and Records

Collecting relevant participant information in advance is another important step. This includes signed disclaimers or waivers (where appropriate), emergency contact details, and any relevant medical conditions. Such documentation not only helps to protect the yard owner in the event of a claim but also supports a swift and informed response if an incident occurs during the event.

Final Considerations

Hosting events at a livery yard can be rewarding and profitable, but only if the correct systems are in place. Insurance is not just a safety net—it is a fundamental part of managing risk and running events responsibly. Yard owners should speak with their insurer to clarify what is covered under their current policy and seek additional guidance if needed.

By ensuring that all necessary precautions, documentation, and insurance arrangements are in place, livery yard owners can run events with confidence—knowing that both their business and participants are properly protected.

About SEIB

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