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Grooms Life Article Image

Why we need to look at the racing industry

20th February 2019

Lucy Katan on why we need to look at the racing industry

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Grooms Life Article Image

Being a Groom and a Working Mum

19th February 2019

Vet Nurse and BGA Ambassador Lucy Fletcher as she gives shares her thoughts on life as a working Mum.

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Grooms Life Article Image

Is it worth the risk?

25th January 2019

Britain loses double European gold after positive controlled medication test. Do you know how to Groom Clean?

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Grooms Life Article Image

25 years but who's counting?

25th January 2019

Freelance travelling groom Sara Shears tells us her story.

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Grooms Life Article Image

Lucy Fletcher - About Me

22nd January 2019

"If it’s meant to be, it WILL come back to you!" Lucy Fletcher...

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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.

 
YES

 
NO

 
NO

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