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#COVID-19: guidance for grooms


With the rapidly changing nature of the COVID-19 outbreak, information and advice from Government can change quickly. For all the latest Government information on COVID-19 and the measures the Government, and Devolved Governments, are taking, please visit the UK Government website, the Scottish Government website, the Welsh Government website or the Northern Irish Government website.

The information below is kept under continuous review and is updated often, please be sure to check the COVID-19: guidance for employers and businesses from the Government for the latest updates.

On this page 

Lockdown release 
Minimise the risk of injury 
Lockdown - what do we know
Riding and caring for horses
Advice for freelancers
Support for the self employed
Advice for employed
Your mental health 



Lockdown release

The Government have begun to release lockdown, here some of your questions will be answered - we have been working on your behalf with the BHS and BEF. 

Return to work safely

Your employer must consider how you can work safely to protect their staff, themselves, the clients and their family if they also live on site. 

It is THEIR responsibility to ensure that the workplace is safe. If the workers feel that the yard has not taken steps to be coronavirus safe, they have a right to not work until the correct measures are put in place. 

  Read the Governments advice on working safely during coronavirus if outdoors

There might have been no changes at all during the lockdown, as in it has been business as usual, however these following steps are still relevant for any employer or yard manager to consider:  

Adhere to the Government's rules on social distancing and washing hands. 

Stagger staff lunch breaks and where possible provide an outside rest area. Communicate to clients that all communal areas are for employees only. 

Consider ways to make the toilet facilities as safe as possible with strict biosecurity measures in place. 

Everyone needs to assess and manage the risks of COVID-19. An employer, has a legal responsibility to protect workers and others from risk to their health and safety. This means they need to think about the risks they face and do everything reasonably practicable to minimise them, recognising one cannot completely eliminate the risk of COVID-19.

A risk assessment is not about creating huge amounts of paperwork, but rather about identifying sensible measures to control the risks in your workplace. A risk assessment will help an employer to decide whether they have done everything they need to. 

Use the EEA Risk Assessment Creator to write a bespoke version for your yard. 

Arrange a meeting with the staff to allow them to voice any concerns they may have on either the restrictions of lockdown being lifted, and/or additional individuals attending the yard. (you could suggest this to your employer)

Yard equipment really must if possible not be shared. If it is eg. wheelbarrows, ensure that it is disinfected after person 1 use. At the end of each working day, a thorough clean of all equipment, communal areas and door handles and locks should happen. 

Insist the clients use their own grooming kits and each worker has their own grooming kit which is not shared - this especially important for freelancers. 

Write a yard protocol on biosecurity and social distancing and communicate this to employees, clients and anyone visiting your yard. 

When tack is being used by more than one person, it must be cleaned after use by person 1 using an appropriate disinfectant (either in the water, wipe or spray) before saddle soaping.  

Consider clients not entering the tack room and instead staff placing the equipment outside the stable ahead of their allocated time slot. Staff should wash their hands before and after touching the tack. 

Ensure employees and clients ride and train within their current capabilities. 

To reduce the number of people on yard at any one time, create allocated time slots for clients and maintain segregation of workers. 

Complete the ABRS Certificated E-Learning Course on Safe Working Practices whilst Exiting Lockdown

The online course is designed for equestrian centre owners and their staff to ensure that they are fully prepared and feel confident in the transition phase and takes just 15 minutes to complete and is free - just email office@abrs-info.org  including the name and email address of each participant to take part. 

Can liveries come more often

Yes. Livery yards who had closed to clients can consider relaxing attendance rules but with rota/number restrictions/hygiene/social distancing as required. This will be at owners’ discretion as some may be vulnerable/shielding.

Can riding schools re open 

Further to guidance for recreational sport and exercise from the Sport & Recreation Alliance and Sport England, the BHS is advising that riding schools, facility centres and livery yards in England may re-open from Wednesday 13th May 2020 whilst observing the current Government guidance in relation to social distancing.

The Sport & Recreation Alliance has advised that it is for individual facilities and organisations to develop their own guidance on reopening, to best fit their own situation, in line with the Government's advice. You can use the Risk Assessment Creator from the Equestrian Employers Association to form your own risk assessments.

The continuation of this advice and guidance is conditional based upon the criteria set by Government and is therefore subject to change.

Can i coach clients at my yard

Yes for with social distancing – outdoor only. Coaches to put necessary measures, risk assessments and safeguarding provision in place.

Can I travel to my clients yard to teach or groom

Yes. Coaches may travel to yards for one to one training with social distancing – outdoor only. Coaches to put necessary measures, risk assessments and safeguarding provision in place.

Coaches are not allowed to ride client’s horse unless full disinfection of clothing and equipment can be done between rides and social distancing maintained.

Is sharing equipment now safe

No - you must adhere at all times to the same levels of handwashing and biosecurity as at the peak of the virus.  

Can horses travel

Travel for exercise restriction removed means horses can be transported for a lesson or venue hire – outdoor only. Travel element must be only with others from household with hygiene and social distancing measures throughout.

It is likely that venues can resume facility hire with limit on numbers. Clients can attend alone, with members of their household bubble, or individuals can meet with one other from outside their household (coach or other participant provided SD is met). Venues to put necessary measures and risk assessments in place.


As some businesses may be turning their attention towards opening when they are able to, even if under limitations and modified operations, it is important to consider how to support and protect first aiders with the current risks associated to COVID-19. 

Medi- K have recommended visiting the resuscitation guidance for first aiders and from the Health and Safety Executive (HSE).  



Can I minimise the risk of injury

Riding horses is just one way of getting injured, so what can you do to minimise the risk and help to protect our NHS?

There are a lot of fit horses currently that can’t just be turned away, which increases the risk even more of injuries happening.

Unfortunately, accidents can and will still happen - so be extra cautious during this time period.

10 critical tips to follow 

Make sure you wear a hat. And not just for riding. Being on the floor is just as dangerous as riding and even if you don’t normally then wear a hat for turn out, lunging etc then now is a really good time to start.

Although the focus is very much on COVID-19, don’t forget that **it still happens – now more so than ever. Your BGA personal accident membership is there to protect you and your livelihood should you get injured and are unable to work. Don't work without it. (it is going to cost you just £11.79 for Silver membership for this month)

Ditch those trainers for some correct footwear. Yes trainers might be more comfortable, but they offer very little in the way of protection should you get trodden on.

Wear gloves - for everything. Whether you are turning out, lunging, leading, have those gloves on for a little bit of extra protection and grip. 

If you are in the stable to muck out, tack up or groom then tie them up. Even the quietest of horses can get a fright. Even if you don’t normally, it is worth doing it for the time being.

Risk assess. This sounds obvious but each situation is individual so it is up to you to make a decision based on safety… it really is better to be safe than sorry. For example if you have a really fresh horse (which needs exercise for whatever reason), then could you either lunge them, or turn them out first and ride later. Consider wearing a body protector even if you wouldn’t normally. Don’t take any unnecessary risks.

Communicate. If you are concerned about a situation or a particular horse then speak to the rest of your team or your boss (safely of course), so that you can come up with a plan together to prevent anyone from potentially getting hurt. This might be something as simple as deciding to turn out in a bridle for extra control.

Stick to a routine. Horses are creatures of habit and love routine. Taking them out of their usual routine may leave them feeling unsettled and more likely to be more reactive. Instead try to keep their daily lives as normal as possible.  

Stay healthy. Accidents are more likely to happen if you feel tired or unwell as your concentration slips. Make sure that you are looking after yourself, eating well and regularly throughout the day, and by getting enough sleep so that you are at your best throughout your working day.

Remember your biosecurity advice which includes hand washing and not sharing tools. This is so important for us all to do our bit in helping to stop the spread of COVID-19. Yes we all love a good catch up in the tack room, but now is not that time. Keep in touch with people digitally instead.


BGA INsurance - is it still covering me

Your BGA personal accident insurance is not a sickness cover and does not cover you for COVID-19. 

It is crucial that you maintain your BGA policy to ensure you remain covered in the case of an accident, as they still will happen during this time.

In fact, potentially with fit fresh horses not being exercised as they normally might do, we are concerned that grooms might have more chance of getting injured. 

A fracture or break would see you off work for many more months than Coronavirus. If you do not have cover, consider joining or upgrading today to protect your income.  

Can I pause my BGA Liability Insurance 

Yes you can. 

Why would I pause it and not just cancel it if I am not working?

If you cancel and restart you would have to go through the whole application process again and may not necessarily be able to get the policy set up straight away.

If you pause the policy we can get cover back in place immediately with one phone call. In addition by pausing the policy you guarantee the annual premium, if you cancel and take out a new policy your premium would be subject to any rate increases that have been applied.

What will the cost be 

Your annual premium will be reduced by 85% on a pro rata basis so that you continue to pay a small amount to keep the policy in place. Unfortunately we cannot confirm exactly what the cost will be as this will differ from person to person but if you contact KBIS they should be able to talk you through it.

The end of policy/renewal date will still be the same. 

You do not have to pay the financial difference at the end of the policy.  You will only pay the 15% whilst the policy is suspended. Then this will be increased on a pro rata basis when you decide to lift the suspension.

Please note that we cannot guarantee the monthly payments will return to exactly what they were, this is because the premium increase will be calculated to the day rather than on a monthly basis.

How do i do pause my liability insurance

Call KBIS on 0345 230 2323 select option 4 and one of the liability team will be happy to discuss this with you.

Can I still work whilst it is paused

If you continue to work whilst the policy is suspended there will be no cover in place for any claims made against you under this policy.  

The policy can be reinstated straight away by telephoning KBIS. The policy will start again from the moment you call.  


Please keep your own health and safety in mind, as well as that of everyone around you.

To help through these uncertain and ever-changing times, the BEF have put together some guidance for all around looking after and riding horses under the current requirements. 


  • Wash your hands with soap and water often – do this for at least 20 seconds. Avoid drying your hands on a communal towel.
  • Use hand sanitiser gel when you get back into your car. 
  • Avoid going to work if you are feeling unwell.
  • Self-isolate for at least seven days if you show any symptoms of coronavirus (even mild ones). If symptoms remain mild you do not need to call 111, but make sure you have made provisions for your own horse / dog (if applicable). 
  • Clean and disinfect frequently touched objects and surfaces using your regular cleaning products.
  • Cover your mouth and nose with a tissue or your sleeve (not your hand), or you cough or sneeze.
  • Put the tissue in the bin straight away and wash your hands.
  • Avoid contact with people who are unwell.
  • Touch your eyes, nose or mouth if your hands are not clean.
  • Eat before washing your hands.


  • Keep visits to a minimum without compromising your horse’s welfare – consider a buddy system with another livery
  • Change into clean yard clothes
  • Wash your hands with soap and warm water before leaving the house


  • Respect any restrictions put in place by the yard owner or manager – they are for your safety and their own. It’s their business and/or home.
  • Wash hands thoroughly on arrival – take soap and water with you if the facilities aren’t available
  • Maintain social distancing with other liveries and avoid common areas, such as tea rooms, as much as possible. Keep at least two metres apart at any time
  • Use your own equipment. If you need to use shared equipment such as wheelbarrows or hosepipes, disinfect the areas you’re touching or wear disposable gloves
  • Avoid activities that carry an increased risk of injury and consider wearing an up-to-standard riding hat while handling your horse
  • Assess your horse’s diet, and reduce energy intake according to the reduced levels of exercise you may be providing
  • Take advantage of feed, hay and bedding suppliers who offer a delivery service, and liaise with them closely to ensure that their service isn’t impacted. Make provision of essential supplies so you are prepared in the event of a shortage


  • Keep your visit timely and avoid lingering – only carry out what’s necessary to ensure your horse’s welfare and wellbeing
  • Wash hands thoroughly before leaving the yard
  • If you have hand sanitiser that’s at least 60% alcohol, use it to clean your hands when you get into your car

arriving home

  • Wash hands with warm water and soap straight away
  • Have a specific ‘yard visit’ towel to dry your hands on
  • Get changed immediately into clean, fresh clothes

If you keep your horse(s) at home, many of these points, particularly around hygiene and clothing, should be observed.


Make a plan with your yard owner or manager, or your fellow liveries, for what will happen if you’re unable to get to the yard. If you have any of the symptoms of COVID-19 or if somebody in your household does, even if they’re only mild, do not visit your horse.

You will need to self-isolate for at least seven days or 14 in a shared household. If you have no alternative and it’s a question of welfare, you can attend to your horse but only as a last resort and within your own property boundaries when riding.

Are grooms key workers

Grooms are not identified as key workers in the governments list. 

Advice for Freelancers

Freelance grooms, and especially those who would normally be travelling abroad, may see a direct impact on their loss of earnings, or might find themselves very busy due to other key staff being unable to work. 

If i am self isolating or have COVID-19 do i get sick pay

Self-Employed Freelancers are not entitled to Statutory Sick Pay, however you can now access, in full, Universal Credit at a rate equivalent to Statutory Sick Pay for employees. 

Your BGA Insurance is a personal accident cover and thus unfortunately does not apply.


Financial assistance 

Key measures announced to help freelancers included:

  • For those that do not qualify for the Governments Self Employed package, the minimum income floor in Universal Credit (UC) is relaxed for those directly affected by COVID-19 or self-isolating, ensuring self-employed claimants will be compensated for losses in income. 
  • ‘New style’ Employment and Support Allowance  is payable for people directly affected by COVID-19 or self-isolating according to government advice for from the first day of sickness, rather than the eighth day
  • Introducing ‘Time to Pay’ arrangements - a time-limited deferral period on HMRC liabilities owed and a pre-agreed time period to pay these back – for businesses and self-employed individuals in financial distress and with outstanding tax
  • HMRC will also waive late payment penalties and interest where a business experiences administrative difficulties contacting HMRC or paying taxes due to COVID-19
  • Self-assessment income payments will be deferred until Jan 2021.
  • For renters the Local Housing Allowance will cover at least 30% of market rents in your area.

HMRC has set up a dedicated COVID-19 helpline to help those in need: 

The helpline number is 0800 0159 559 - and is an addition to other HMRC phone contact numbers.

Opening hours are Monday to Friday 8am to 8pm, and Saturday 8am to 4pm. 



Yes. Grooms are classed as essential workers due to the welfare of animals in their care. 


Think about diversifying. Many supermarkets are heavily recruiting to provide logistics - although not ideal, this could be a temporary measure. 

I have no income

You could get Universal Credit on the basis of remaining at home on government advice: 
•    If you don’t qualify for Statutory Sick Pay or Employment and Support Allowance or 
•    you need additional help on top of SSP or New-style ESA.

People who need to claim Universal Credit because of coronavirus will not have to produce a fit note. Universal Credit is claimed online.

Self-employed claimants on Universal Credit who are required to stay at home or are ill as a result of coronavirus will not have a Minimum Income Floor  (an assumed level of income) applied for a period of time while affected. 

Minimise face to face contact

Where possible minimise your face to face interaction with your clients, instead set up an open communication via another channel such as Whatsapp, to communicate what needs to be done each day.

If face to face communication is unavoidable take the steps above to minimise the risk and ensure that you wash your hands regular, avoid small enclosed populated spaces, and touching your face. Avoid anyone you know is feeling unwell, even if you suspect it may just be a common cold.

Limit any direct contact by emailing your invoices and asking for bacs payments instead of cash.



This support is available for those who are registered as self employed with HMRC and have submitted 2019 accounts.


The employment status of grooms is critical in determining what government support is available at this challenging time.

If one has been told by an employer that they are ‘self-employed’, yet have not registered themselves as such with HMRC, sadly that individual will not be eligible for this self employed package NOR government support for the employed that are not required or unable to work i.e furlough.

We recommend applying for Universal Credit in this circumstance.

The details 

  • The government will pay self-employed people, who have been adversely affected by the coronavirus, a taxable grant worth 80% of their average monthly profits over the last 3 years, up to £2,500 per month. 
  • Phase 2 will be paid in August. These will be based on the same figures as the previous claim, however the amount payable this time will be 70% of average profit, rather than 80%, so expect your payment to be lower than last time. The eligibility criteria is exactly the same, so if you were eligible for the first round you will be again, and unfortunately vice versa. Again, the grant will be included in your taxable income for 2020/21. 
  • You’ll be able to claim these grants and continue to do business. It's covering the same amount of income as they are for furloughed employees, who also get a grant worth 80%.
  • It is a grant, not a loan, so it does not have to be paid back. 
  • It’s only open to those with trading profits up to £50,000, who make a majority of their income from self-employment. To minimise fraud only those already in self-employment, who have a tax return for 2019 can apply.
  • Income tax payments due in July can be deferred to the end of Jan 2021.

How do I access it

HMRC are working urgently, we expect people to access it no later than the beginning of June. If eligible, HMRC will contact you with an online form, they pay the grant straight to your bank account.

HMRC have created an online tool to find out if you’re eligible to make a claim through the self-employed income support scheme.
You’ll need your Self Assessment Unique Taxpayer Reference (UTR) number and your National Insurance number. Check if you are eligible: https://bit.ly/2WyBKsi

I am employed and self employed

I am registered both employed and self-employed, which Government support applies to me?

This scheme is only open to those who make a majority of their income from self-employment

How soon will i have access to the money

It is thought to be estimated that the support will start paying out in June and for the second round in August. 

Do i have to be registered with the HMRC

Yes you do.

If you are not registered as self employed with HMRC then you do not qualify for this support. We recommend that you look at applying for Universal Credit.

What happens if I only recently registered with hmrc

To apply for this support you need to have been registered as self-employed and have a tax return for 2019. 

If you fall outside of this time frame then you will need to apply for Universal Credit.

I am not sure if i am in fact registered with hmrc

To be self-employed you will be registered with HMRC, submit your own tax return and pay your own National Insurance/Income Tax.

If you are not registered as self employed, then unfortunately this Government support is not available to you and you will need to register for Universal Credit.

I have been told by my employer that i am self employed

Your employer can not tell you that you are self-employed. If you work for just one person then you will be employed by them.

There are certain stipulations that you need to meet to self-employed, (such as being registered as self employed with HMRC, setting your own working hours, issuing invoices for work done and paying your own income tax/National Insurance).

If these do not apply to you then you have a false employment status.

If you are not registered as self employed, or employed (this is where you employer pays your tax and national insurance contributions out of your income), unfortunately you will need to register for Universal Credit

what is universal credit and does it apply to me

Universal Credit is government support for those who don’t qualify for the self employed, or employee packages.

You could get Universal Credit on the basis of remaining at home on government advice:

  • If you don’t qualify for Statutory Sick Pay or Employment and Support Allowance or
  • you need additional help on top of SSP or New-style ESA.

As there is at least a five-week wait before you get Universal Credit, you can get help from day one through a Universal Credit Advance Payment.  Advance payments have to be paid back out of your Universal Credit payments .and must be paid back within 12 months.

People who need to claim Universal Credit because of coronavirus will not have to produce a fit note. Universal Credit is claimed online.

Self-employed claimants on Universal Credit who are required to stay at home or are ill as a result of coronavirus will not have a Minimum Income Floor  (an assumed level of income) applied for a period of time while affected.


Advice for employed

Carrying over annual leave

The Working Time Regulations have been amended to allow for carry-over of annual leave that has not been taken due to COVID-19.

This rule only applies to the 4 weeks of statutory annual leave (or the worker’s pro-rata entitlement) that is derived from the EU Working Time Directive. It does not apply to the additional 1.6 weeks’ statutory leave that workers are entitled to under domestic law, or any additional leave they may be entitled to in accordance with their contracts.

These 4 weeks of leave can only be carried-over where it was ‘not reasonably practicable’ for a worker to take some or all of this leave in the leave year in which it is due, because of the ‘effects’ of COVID-19. We are told that these ‘effects’ include effects on the worker, the employer or the wider economy or society.

No guidance has been provided as to what is “not reasonably practicable”. This is likely to be fact-sensitive for each worker. Presumably the ability to take leave must be genuinely and significantly affected by COVID-19.

Such carried-over leave may be taken in the 2 leave years immediately following the leave year in which it was due. Should the worker’s employment be terminated before they take this carried-forward leave they can receive a payment in lieu for it.



An employer can “furlough “ employees, meaning they would be out of a job but still be registered with their employer and therefore receiving 80% of their wage.

• It applies to all businesses
• Employees who would otherwise be made redundant can be designated a “furloughed employee” by the employer
• It is the employer’s decision, but the employee will have to agree (why wouldn’t you as otherwise going to be redundant)
• It is up to the end of October currently
• You will get 80% of wages until end of July 
• The employee must not do any work for the employer whilst on furlough
• The employer does not have to top it up to full wages


The employer would notify the employee they were selected for furlough and get the employee’s agreement.


Your employer still pays you, and then submits information to HMRC about the employees that have been furloughed and their earnings through an online portal. 

HMRC will reimburse 80% of furloughed workers wage costs, up to a cap of £2,500 per month.

Furlough july onwards

The furlough scheme for employers and employees has been extended and the amounts an employer can claim will change from July. 

From 1 July, employers can bring back to work employees that have previously been furloughed for any amount of time and any shift pattern, while still being able to claim the Coronavirus Job Retention Scheme grant for their normal hours not worked. When claiming the grant for furloughed hours employers will need to report and claim for a minimum period of a week.

The scheme will close to new entrants from 30 June. From this point onwards, employers will only be able to furlough employees that they have furloughed for a full 3 week period prior to 30 June.

This means that the final date by which an employer needs to agree with their employee and ensure they place them on furlough is 10 June. Employers will have until 31 July to make any claims in respect of the period to 30 June.

From 1 July 2020, businesses will be given the flexibility to bring furloughed employees back part time. Individual firms will decide the hours and shift patterns their employees will work on their return, so that they can decide on the best approach for them - and will be responsible for paying their wages while in work.

From August 2020, the level of government grant provided through the job retention scheme will be slowly tapered to reflect that people will be returning to work. That means that for June and July the government will continue to pay 80% of people’s salaries. In the following months, businesses will be asked to contribute.

The scheme updates mean that the following will apply for the period people are furloughed:

  • June and July: The government will pay 80% of wages up to a cap of £2,500 as well as employer National Insurance (ER NICS) and pension contributions. Employers are not required to pay anything.
  • August: The government will pay 80% of wages up to a cap of £2,500. Employers will pay ER NICs and pension contributions – for the average claim, this represents 5% of the gross employment costs the employer would have incurred had the employee not been furloughed.
  • September: The government will pay 70% of wages up to a cap of £2,187.50. Employers will pay ER NICs and pension contributions and 10% of wages to make up 80% total up to a cap of £2,500. For the average claim, this represents 14% of the gross employment costs the employer would have incurred had the employee not been furloughed.
  • October: The government will pay 60% of wages up to a cap of £1,875. Employers will pay ER NICs and pension contributions and 20% of wages to make up 80% total up to a cap of £2,500. For the average claim, this represents 23% of the gross employment costs the employer would have incurred had the employee not been furloughed.

Employers will be required to submit data on the usual hours an employee would be expected to work in a claim period and actual hours worked. Employees who believe they are not getting their 80% share can also report any concerns to the HMRC fraud hotline. HMRC will not hesitate to take action against those found to be abusing the scheme.

Can I Lose my job because of CoronaVirus

If you have been in your current employment for under two years then yes, your boss can terminate your employment, provided your notice period (as set out in your contract) is paid.

If you have been in your employment for over two years then your employer can still terminate your contract and may look at offering either formal redundancy, or dismissal based on ‘Some other substantial reason’.  


Yes, you can offer to have time off work and not get paid for it. Your boss doesn’t have to accept this. Make sure you have this offer in writing and a return to work date.


Regulation 15 of the WTR allows for this compulsion, but notice must be given of twice as many days as the days to be taken. For example if your employer would like you to take 14 days holiday then they must give you 28 days notice.

I have been asked to reduce my hours

Employees can be laid off under statutory lay off provisions and so your employer is entitled to do this.

I am an apprentice & worried about my training

We would advise speaking to your training provider who will be able to help and support you.

I feel ill. My employer wants me to still work 

Employees should take time off work if they are ill. Government is clear that employers should support their staff’s welfare, especially during an extended response

Self-isolation and sick pay

Employees must receive any Statutory Sick Pay (SSP) due to them if they need to self-isolate because:

  • they have coronavirus
  • they have coronavirus symptoms, for example a high temperature or new continuous cough
  • someone in their household has coronavirus symptoms
  • they've been told to self-isolate by a doctor or NHS 111

If someone has symptoms and lives alone, they must self-isolate for 7 days. 

If someone lives in a household and is the first to have symptoms, they must self-isolate for 7 days. Everyone else in their household must self-isolate for 14 days.

If anyone else in the household starts displaying symptoms, the person with the new symptoms must self-isolate for 7 days. This is regardless of where they are in the 14-day isolation period. 

What is layoff and short time working

Your employer might need to close down their business for a short time, or ask staff to reduce their contracted hours.

Employees who are laid off and are not entitled to their usual pay might be entitled to a 'statutory guarantee payment' of up to £29 a day from their employer.

This is limited to a maximum of 5 days in any period of 3 months. This is not a great solution as coronavirus is probably going to last for 12 weeks minimum. 

On days when a guarantee payment is not payable, employees might be able to claim Jobseekers Allowance. 

Your Mental health 

Your mental health matters and at a time when everything seems a little uncertain it is important to stay in communication with those around you.

If you are feeling worried or out of sorts then have a look at Grooms Minds, our online support to help you. As a BGA member you also have access to our Groom’s Minds Support Line – supported by Racing Welfare, is a free telephone helpline, open 24 hours a day. 

Remember at this time your friends and colleagues may also be struggling so reach out and stay in contact. Here at the BGA we are open as normal and here to chat and help where we can.  

Useful advice 

As the coronavirus continues to spread keep up to date with advice from the NHS who has detailed information on staying safe, and symptoms.

The BEF will issue regular statements from Member Bodies regarding their standing on the situation and events.

If you have a question that is not answered please get in touch - we are here to help you. 




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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