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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
WATCH OUR VIDEO
A GROOMS LIFE BLOG
Being around horses can be dangerous, but it’s not just handling horses that pose a risk. We spoke with BGA member Carly, following a stormy accident that left her unable to work for weeks. Carly, a head groom for a private family shares her story; In the storms recently I was doing late night check and because the wind was so strong, I decided to shut the big barn doors to protect the horses and stop everything blowing around. The wind caught the door and knocked me over and then the door went over my ankles trapping me. Thankfully, my boss was there and helped free me. I felt a bit bashed and knew I had hurt myself but went back to my flat and had a look at what I had done. I thought I was just bruised and took myself off to bed. The next morning, you should have seen the state of me! So much bruising and swelling, so my boss drove me to A&E. The Drs couldn’t believe I had been able to walk away from this, they said it was like I had been hit by a car at 30mph. My injuries were broken right ankle, sprained left ankle, bruising to my left hip and shoulder, sprained elbow, and broken fingers. I’m so thankful to my boss for her understanding and to the freelance grooms who came in and covered for me while I was off. Thank you to the BGA for having this insurance and for all their help.” Thank you to Carly for sharing her story, we are so pleased you made a full recovery. At the BGA we regularly help grooms who have been in an accident. Luckily most do have insurance, but at times there are grooms who have been injured without protection. Don’t let that be you – make sure you have insurance. Freelance groom, employed groom or equine student on work placement - whatever you do, the BGA is here for you. The BGA has the best grooms insurance for all who work with horses. Protecting yourself is important, trust us, we hear about accidents all the time. Find out more about our groom specific insurance policies and how we can help to protect you. Join 1000’s of other grooms and belong to your professional association.
Accidents don't just happen while handling horses
“I joined the BGA when I first started grooming and took out an insurance membership, (my Mum nagged me to do it!). I’ve just let it automatically renew every year and thank goodness I did, in fact I had forgotten I even had it.
I had 7 weeks off work whilst I healed and then went back part time for a bit until I was fully back up to speed.
All this proved to me how much I needed the insurance and how you don’t actually have to be with a horse to be injured.
If you get injured and you are unable to work your income is likely to be reduced, or disappear completely if you are a freelancer.
Are you insured?
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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