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.
Horse riding 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?
- any accidental injury to anyone or damage to third party property caused by equine activities, such as a horse damaging a vehicle or someone sustaining an injury while you're riding your horse
- £30 million cover for any one claim
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 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
