Public liability and Personal Accident insurance is included as an automatic benefit of your Gold membership of the British Horse Society. Please refer to the policy documents below for the current policy terms and conditions for members who join or renew their membership in 2026:
- Personal Liability Schedule And Wording
- Public Liability Insurance Product Information Document
- Evidence of Public Liability Insurance
- Personal Accident Schedule And Wording
- Summary Of Change And Important Conditions
For more details, including additional FAQs, 2025 policy documents and how to report a claim, please follow the link below to the BHS Insurance Centre which provides further details, including how to contact our insurance broker, Howden, if you have further queries:
Horse riding public liability insurance
Anyone who owns, rides or looks after a horse is strongly advised to carry public liability insurance cover, because they may be legally liable to pay compensation for any damage or injury caused by their horse. Personal injury compensation claims can sometimes run into the millions, meaning that anyone who is uninsured risks losing their home and any other assets.
Find out more about why all equestrians should have public liability insurance.
Do's and Don'ts in the event of a claim and accident prevention tips
Up to £30 million*
BHS public liability insurance provides cover for any third-party injury or property damage that arises out of your legal liability or negligence as an owner, rider or keeper of horses for recreational purposes. Professional equestrian activities and some high-risk recreational activities are not covered; please refer to the policy documents above for the full policy terms and conditions.
What is included with our public liability insurance?
- Accidental bodily injury and/or loss of or damage to third party property
(subject to Policy Exclusions) arising out of your use, ownership or control
of horses or horse drawn vehicles and your direct participation in Equine
activities other than those Equine Excluded Activities stated in the schedule. - £30,000,000 limit of indemnity in respect of any one claim, unlimited in
respect of all claims occurring during the period of insurance, inclusive of
costs and expenses.
Personal accident insurance
Up to £10,000*
BHS Gold membership cover provides Personal Accident insurance for the member for accidental death, loss of limb or sight and permanent total disablement only. Please refer to the policy documents above for the full policy terms and conditions.
*Terms, conditions and territorial limits apply
