Public liability
All BRC Affiliated Clubs automatically receive public liability insurance up to £30,000,000 and employers liability up to £10,000,000.
The public liability insurance cover will provide cover for damage to third party property or an injury to a third party as a result of equestrian activities organised by Affiliated Riding Clubs. This will include training in recognised disciplines, competitions, fundraising events, pleasure rides, and demos arranged by the club. Activities must comply with BRC standards and policies including the requirement to ensure that all activities are risk assessed.
The public liability cover will also provide protection for BRC members but only whilst at a BRC event and providing they do not have any other insurance in place.
The employer’s liability cover provides protection to the Affiliated Club if an employee or volunteer of the group, is injured due to your negligence. It is important to ensure that training is given to volunteers to ensure that they are supported and understand their duties. Training for general volunteers does not need to be onerous and can often be done on the day of an event in a briefing session which should be documented.
Non-compliance with the important terms of the policy may invalidate the club’s insurance cover so it is important to ensure that BRC organisers have fully read and understand the terms of the policy. If you have any insurance queries, please contact the Howden Equine team on 0207 4265294.
If there is an incident the first priority is safety. Once the situation is under control it should be reported to the club committee; photos or video footage is often helpful.
Information about the BRC policy can be found at British Riding Clubs | BHS | Howden UK
Claims are made at Sport National Governing Body Claims
Personal accident
Affiliated Clubs do not receive personal accident benefits for members or volunteers. If you require personal accident cover, please contact Howden Equine who will be able to advise on the most appropriate cover.