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A GROOMS LIFE BLOG

“I was scared to go freelance”

18th April 2024

BGA member Beth Cousins didn't let fear stand in her way of becoming a successful freelancer.

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Melissa: wrong place, wrong time

9th April 2024

After 5 years hassle free, it happened...

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Is it time for a Grooms Charter?

26th March 2024

BGA Executive Director, Lucy Katan shares her thoughts...

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I didn't realise I had broken my neck!

11th March 2024

Matthew Glentworth is super experienced, he has worked for legends like Zara Tindall and the Tuckers, yet it still happened to him....

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Member success: From groom to employer

8th March 2024

For National Careers Week, Robyn Lyman talks about her leap from groom to employer.

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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