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WHY I AM A MEMBER

“The bespoke information has been invaluable for my career and employment; I don’t feel alone anymore. I have the peace of mind knowing my income is protected with my BGA insurance.”

Jenny Hooch

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A GROOMS LIFE BLOG
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Test Cuddlrs winter kit for free!

 10th September 2026

Could you be one of our Cuddlr Winter Groom Testers? Find out more...

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Equestrians feature on NMW underpayments List

 7th September 2026

Seven equestrian employers - from across all disciplines - were included on the latest NMW underpayment list.

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Yards urged not to delay worm egg count testing

 11th August 2026

New analysis has highlighted the importance of sticking to 8 to 12-week testing intervals. 

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Grooms can now report welfare issues

 13th July 2026

Have a concern about equine welfare? The British Equestrian Federation have a new reporting hub.

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Lucy Katan receives MBE at Windsor Castle

 9th July 2026

Lucy Katan received her MBE from His Majesty King Charles III at Windsor Castle this week.

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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_once 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