BGA urges grooms to check that their employers have liability insurance

Following a recent legal case where a groom had a life-changing injury and had to settle on a reduced amount of £75,000, the British Grooms Association (BGA) is urging everyone to check that their employers have Employer’s Liability Insurance.

Employer’s Liability Insurance is a legal requirement and protects both the employer and the employee in case of an accident in the workplace. The law states that employers must display a copy of this certificate where employees have reasonable access to it. 

The BGA also asks grooms to be aware of their employment status.

False self-employment, which is when one is told they are self-employed but in fact they are an employee, is often a mechanism used to avoid purchasing Employer’s Liability Insurance.

This is illegal and grooms should be aware that this means they are vulnerable.

It is very easy to convince yourself that an accident won’t happen, but in a high-risk industry it is important to know that the financial support is there if you need it.

Freelance grooms should also ensure that they have their own liability insurance to protect themselves in the event of an accident occurring when clients’ horses are in their care.”

Further information on freelance grooms liability insurance can be found here.

Additional information for employers and access to discounted policies from KBIS can be found here. 

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