Freelance groom insurance for all you stables work

As soon as your business starts interacting with the public, clients, or customers — even if you're just starting out. Whether you're a sole trader, freelancer, or limited company, if something goes wrong and someone is injured or their property is damaged, you could face a significant compensation claim. It's far better to have cover in place from day one.

No — it isn't a legal requirement in the UK. However, many organisations, councils, schools, and clients will require you to have it before agreeing to work with you. It's also worth considering what a significant compensation claim could do to your business financially if you're not protected.

Public liability insurance covers the cost of compensation claims and legal fees if a member of the public is injured or their property is damaged as a result of your business activities. This could be a customer tripping over your equipment, a client's property being damaged while you're working on it, or a passer-by being injured near your worksite. It covers both the compensation payment and your legal costs, even if a claim turns out to be unfounded.

Public liability insurance covers claims from members of the public — it doesn't cover claims from your own employees (that's what employers' liability is for), losses caused by professional mistakes or bad advice (you'd need professional indemnity insurance for that), or damage to your own property or equipment. Always check your policy wording carefully to understand exactly what's included.

The right level depends on the nature of your work and your clients' requirements. Standard cover starts at £1 million, but many organisations — particularly local authorities, schools, and government contracts — will require a minimum of £5 million or £10 million. When in doubt, check your contract requirements before getting a quote.

Yes, if you employ anyone — including part-time staff, apprentices, volunteers, or labour-only subcontractors. Employers' liability insurance is a legal requirement regardless of business size or industry. It covers compensation claims from employees who are injured or become ill as a result of their work, as well as your legal costs if a claim is brought against you. Read more in our What is employers' liability insurance blog.

Public liability insurance protects your business against claims from members of the public who are injured or suffer property damage because of your work. Employers' liability insurance protects against claims from your own employees who are injured or become ill as a result of working for you. If you have staff, you'll likely need both — employers' liability is a legal requirement, while public liability isn't, but is strongly recommended.

Yes — business insurance is an allowable expense, which means you can deduct the cost when calculating your taxable profit. Make sure you keep your policy documents and receipts as records for HMRC. If you're unsure, speak to your accountant.

For public liability insurance, you’ll receive proof of cover instantly which you can show your clients. If you choose to have employers’ liability cover, a Certificate of Employer’s Liability will be sent to you right away for display at your premises.

We've been arranging insurance for over 50 years — now trading as insurd — and we're authorised and regulated by the Financial Conduct Authority (Firm Register Number: 308508), and over a thousand real customers have shared their experiences with us on Trustpilot.

You can verify our status directly on the FCA register.