Public liability and Personal Accident insurance is included as member benefits as part of your Gold membership of The British Horse Society. Please refer to the policy documents for the full policy terms and conditions here: Public Liability & Personal Accident Policy Summary
Horse riding public liability insurance
Anyone who owns, rides or looks after a horse is strongly advised to carry public liability insurance cover, because they may be legally liable to pay compensation for any damage or injury caused by their horse. Personal injury compensation claims can sometimes run into the millions, meaning that anyone who is uninsured risks losing their home and any other assets.
Find out more about why all equestrians should have public liability insurance.
Up to £30 million*
BHS public liability insurance provides cover for any third-party injury or property damage that arises out of your legal liability or negligence as an owner, rider or keeper of horses for recreational purposes. Professional equestrian activities and some high-risk recreational activities are not covered; please refer to the policy documents below for the full policy terms and conditions.
What is included with our public liability insurance?
- Accidental bodily injury and/or loss of or damage to third party property
(subject to Policy Exclusions) arising out of your use, ownership or control
of horses or horse drawn vehicles and your direct participation in Equine
activities other than those Equine Excluded Activities stated in the schedule. - £30,000,000 limit of indemnity in respect of any one claim, unlimited in
respect of all claims occurring during the period of insurance, inclusive of
costs and expenses.
Policy documents
Personal accident insurance
Up to £10,000*
BHS Gold membership cover provides Personal Accident insurance for the member for accidental death, loss of limb or sight and permanent total disablement only. Please refer to the policy documents below for the full policy terms and conditions.
Policy documents
- Policy Wording
- Personal Accident Policy Schedule
- Insurance Product Information Document (Personal Accident)
All these documents should be read in conjunction with each other. Please contact the BHS membership team if you have any further queries.
If you joined or renewed your membership in 2024 please find your insurance information below.
*Terms, conditions and territorial limits apply
