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Cost of living crisis

The cost-of-living crisis is having an impact on everyone and no doubt this will be causing problems for people working within the equestrian industry.

Approx. 72% of equestrian employers have experienced a fall in profits over the last 12 months.

Riding schools and livery yards are reporting the increased costs of energy prices, fertiliser, materials, feed and bedding are contributing to the increase in service charges to clients.

Equestrian Employment

Many grooms are worried about their income, reduced hours or complete loss of employment. We have already seen an increase of horse owners switching from full livery to part or DIY, as a response to cost-of-living crisis and in a bid to reduce their own outgoings. Less demand for services such as full livery could have an impact on the employment of grooms.


Have you noticed a change in your area? Are the horse owners on your yard managing to cope with the rising costs of living? After all, most of us horse owners will make savings elsewhere before making cutbacks at the yard.

Let us know, join the conversation on Facebook or send us an email;

Thought about Freelancing?

Loss of employment is a popular reason to start freelancing, another reason is to work flexibility around other commitments. If you are considering starting out on your own, make sure you check out the BGA Freelancers Toolkit with lots of advice and templates to get your business off the ground. 

BGA Freelancer

Consider becoming a BGA Freelancer to show potential clients you are reliable, compliant and have their horses’ welfare as a priority. 

Grooms Minds

In tough times it is even more important to look after yourself, make sure you are eating properly, seeing friends, making time for self-care. When it comes to our mental health, recognising, or admitting we’re not 100% or ‘not ourselves’ isn’t always that easy. BGA members can access the bespoke Grooms Minds support line, A 24 hours, 7 days a week service, means that you are never alone and there is always a trained helper ready to talk to you. 

Horse Welfare

Horse and Hound magazine reported that Bransby Horses, a welfare charity, saw a steep increase in calls. The charity has received the same number of calls in the first three months of this year than it did in the whole of 2021. As the cost of living crisis continues could we see more welfare issues within the equestrian community?


BGA Discounts

As a BGA member you get discounts that genuinely save you money;

10% discount with Smart Grooming
10% off Treehouse Sporting Colours
10% discount from Eqclusive
17% discount from Butlers Accountancy
10% from Horsebox Driver courses

If you're not a member yet, find out more about the benefits and how we can support you.

BGA Membership Options







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.


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.   

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


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

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