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BGA warns grooms and riders to be careful

With lockdown #3 restrictions, and the cold weather the British Grooms Association (BGA) is issuing a warning for all grooms and riders to take extra care when handling and riding horses to avoid putting extra pressure on the NHS.

The lockdown restrictions mean that many horses are not getting exercised as much as they would normally, and with the cold weather and ice affecting many parts of the UK, horses are being stabled for longer periods of time resulting in them being ‘fresher’ than normal.

Everyone who works with horses appreciates that there is a certain level of risk involved, but at this time we are asking that you take additional precautions to protect yourself and avoid putting any more strain on the NHS.

The BGA’s advice is to be practical, draw on your wealth of experience to judge each situation and remember that your safety is paramount:

If you need to, lunge before or instead of riding.
Wear the essential PPE such as hats and gloves when handling horses and a body protector for riding if you feel it would be a sensible option.
Ensure that there is a suitable salt and grit supply at the yard to avoid any accidents on the ice.

Taking additional safety precautions may seem ‘overkill’ until it is needed.

The BGA strongly encourages everyone who work with horses to have personal accident insurance to protect their earnings should they get injured and are unable to work, never more so at these times.

Find out more about these bespoke affordable policies. 



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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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