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A GROOMS LIFE BLOG

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It Won't Happen to Me!

7th December 2023

James, like many busy grooms thought it wouldn't happen to him.

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A groom fit for a Queen

27th November 2023

Meet Terry Pendry, CVO, BEM, Military Knight of Windsor and former Stud Groom and Manager to our Late Majesty Queen Elizabeth II.

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Poor employment can lead to BIG payouts

22nd November 2023

When employment isn't legal it can be very costly for the employer.

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Do you know what Good Employment is?

21st November 2023

We investigate what Good Employment is with the Equestrian Employers Association's Code of Good Employment.

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Success in Court

14th November 2023

Freelance groom takes client to court for non payment of services provided.

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BLOG ARCHIVE

 
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What the personal accident policy covers you for:

  • Whilst at work
  • All stable duties – mucking out, grooming, washing off, turning out
  • Clipping
  • Riding – including hacking and jumping
  • Hunting
  • Lunging
  • Breaking in
  • Holding horse for a vet and other procedures
  • Travelling horses both in the UK and abroad
  • Competing in line with your job including: jumping, dressage, eventing
  • Injuries that may happen to you whilst you are teaching - but you must also be grooming as part of your duties and not be a sole instructor

What the personal accident policy doesn’t cover you for:

  • Riding in a race, point to point or team chase
  • Stunt Riding
  • Accidents occurring whilst travelling to and from work
  • Riding and competing your own horse (but you can upgrade when applying for membership to include this)
  • Public Liability – this is a separate insurance policy - the Freelance Groom Liability Insurance
  • Care Custody and Control – this is a separate policy - the Freelance Groom Liability Insurance

If you require additional cover then please contact KBIS directly.

   GROOM  RIDER  EMPLOYER

When you are working for other people you do most of the following; muck out, turn out/catch in, tack up, groom horses, exercise Horses (including hacking, jumping and schooling), in the care of your employer/client.

 
YES

 
NO

 
NO

Predominantly ride horses for other people including schooling, exercising and competing.   
NO
 
YES

YES
 Provide grooming services for someone else either full time or on a freelance basis i.e. an employer or a client.   
YES

NO

NO
Employ staff – have an employers liability policy in your name NO NO YES
Buy and sell horses NO YES YES