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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
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Sector Riding School
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A GROOMS LIFE BLOG
“I tried to save some money, but it backfired on me!” Every penny counts for most people, so it’s understandable for grooms to be thinking of ways to cut their expenditure. We spoke with long term BGA member, Harriet Johnson, who made the wrong choice when trying to save money. “After 35 years of being around horses I thought, it would never happen to me. We all have a habit of thinking that don’t we? ‘It won’t happen to me’. I am really safety conscious, I always pay attention to Health & Safety, I am aware of the risks for each of my duties and take precautions to carry out each task in the safest way. With costs everywhere rising, I found that I had little spare money each month, even though I have plenty of clients, too many really. I realised I would have to increase my charges. I felt bad as my clients are so nice, many are struggling families’. So, trying to keep my prices as low as possible I detailed my expenditure, looking for unnecessary outgoings. That’s when I decided to cancel my personal accident insurance. I thought I was pretty safe; I’ve never had an accident before, and I work with easy horses. It wasn’t long after when I had an accident with the gentlest horse I have ever known. We were hacking when he got scared, it all happened so quickly and before I knew it, I was underneath him. The emergency services were amazing, they arrived quickly, and I was soon air lifted to hospital with a broken pelvis. The realisation of the situation I was in didn’t hit me for a while. I had no insurance, no income, no security. If it wasn’t for the support of my family, I could have lost everything. I am now fully insured again, and this gives me such peace of mind.” Thanks to Harriet for sharing her story, thankfully she is fully recovered and has been able to return to work - this time with her trusted BGA insurance membership to protect her. 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. Not sure which insurance is right for you? Visit the membership options section of our website for more information. Alternatively you can contact contact Fi, our Membership Manager, on 07590 258907 or membership@britishgrooms.org.uk. Freelance groom, employed groom or equine student on work placement - whatever you do, the BGA is here for you and your insurance needs. The BGA has the best grooms insurance for all who work with horses. Join 1000’s of other grooms and belong to your professional association.
It backfired on me!
I couldn't have been more stupid!
I felt vulnerable, not because I was in a wheelchair for months, but because I was in a financial nightmare!
Please don't take the risk!
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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