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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
BGA Member
GROOMS JOB BOARD
Home Groom / Sole charge at top private yard
Lanarkshire
Sector Dressage
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A GROOMS LIFE BLOG
Experienced freelance polo groom and BGA member Frances Harvey went to work last July like it was any other day. Little did she know that it was a day that would change her life. We spoke to Frances who shares her story. “At the time in question I was freelance polo groom to two separate Patrons. I was working a polo pony when she fly bucked and I was launched through the air. I landed on a sand track. The reason I had personal accident insurance was because my Patrons wouldn’t hire me if I didn’t. The yard owner, where they kept the ponies, also insisted that I had insurance. I think employers should either insist grooms have insurance, or provide it. It’s not expensive and the amount of inconvenience not having it causes if you get injured can be catastrophic. It is worth every penny because if you don’t work when you’re self-employed – you don’t get paid. My advice - I think personal accident insurance is essential and that all grooms should have it.” Find out more about our specialist discounted insurance policies for BGA members.
The day that changed my life...
I knew I was injured, but I got up immediately and finished my days work. Later on that day I started to feel much worse. I knew that my teeth were broken, but when I went to hospital they told me that I had also broken my ribs, torn my intercostal muscles and had an inguinal hernia, in addition to my very painful lower back.
I was off work for three months, and without my KBIS personal accident insurance I would have found it difficult to survive and to live.
BLOG ARCHIVE
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. |
|
|
|
| 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 |
The BGA is the national representative body for all
grooms working in the UK or British grooms abroad.
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