The definition of a livery yard

A livery yard or livery stable is a stable where horse owners pay a weekly or monthly fee to keep their horses. Facilities at a livery yard normally include a loose box or stable and access for the horse to graze on grass.

Types of Livery

Full Livery – The livery yard owner provides full care for the horse including feeding and exercising. This is the most expensive option as the day to day care is provided for the horse owner.

Part Livery - The horse is normally fed, watered, and the stable is mucked out. The horse is not normally trained or exercised.

Do it yourself or DIY Livery - The horse owner will be responsible for all care of the horse including feeding, exercising and mucking out. The livery yard owner will sometimes include a small amount of hay and straw in the weekly cost. The horse owner is expected to visit the livery twice a day to manage the horse.

Grass Livery – This is where grazing is provided and maybe a field shelter. The horse will stay in the field overnight and all care is the responsibility of the horse owner. This is the cheapest option as there is no stabling facilities.

It is important that the livery yard owner and the horse owner carry the correct insurance coverage. Below we have detailed some of the insurance cover each should be carrying.

Livery Yard Insurance

Public Liability Insurance - This is the minimum cover the livery yard owner should carry.This protects the livery yard owner from claims for injury or damage caused on the livery yard owners property.

Employers Liability Insurance – If the livery yard owner employs anyone regardless of how many hours they work the livery yard owner must carry employers liability insurance by law.

Care,Custody & Control Cover – This cover protects the livery yard owner against claims for illness or injury to horses within their care, custody or control.

For The Horse Owner

Horse Insurance - It is important to protect your horse against illness and injury. As with any animal, horses are open to illness or injury at any time of their life. In most cases these are small injuries or illnesses that can be healed with a small amount of medical help or rest. However with more severe injuries or illness the horse may need a large amount of veterinary care and this can be very expensive. A basic horse insurance policy will compensate you in the event of death,theft or straying of the horse, However we recommend that all horse owners should insure their horse to include veterinary fees cover.

Veterinary fees cover will help cover the costs of care of your horse should experience an injury or illness. Without this cover some horse owners have struggled to afford the costs of treating their horse. Horse insurance including veterinary fees cover starts at just £20.00 per month.

Get a Quote for your livery yard

Date: 31st January 2012

The Public Accounts Committee report  on “Flood risk management in England” warned that there was uncertainty over  the future affordability and availability of insurance for homes in areas at  risk of flooding.

Content Courtesy Of Insurance Age Magazine

4th January 2012

Happy New Year to all our followers. We hope you have enjoyed a great christmas and are looking forward to the challenges that 2012 brings. Here at The Insurance Advisor we are busy putting our 2012 plans into operation and have already launched our new commercial vehicle insurance comparison site www.getvanquote.co.uk . This new comparison site enables our customers to compare van insurance premiums from the UK’s leading insurance providers including Aviva,Ageas,Allianz, RSA,Zurich and many many more.

Keep an eye out for our continuing developements over the coming months.