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.