Undoubtedly, you're already taking significant steps to reduce the risks you face from working with or being around horses. But, unfortunately, accidents still happen.
If you were injured, the last thing you want to be stressing about is how you’re going to pay your bills.
The amount of compensation and benefits you receive can vary from insurers and policies. For example, some insurers compensate you for the time you are in the hospital after an accident.
Equine insurance covers various professions such as, but not exhaustively: grooms, livery/riding school, dentists, vets, trainers, jockeys, and physios.
It is good to review your policies when there are any significant changes, such as getting married or having a family.
Income Protection Insurance, What Is It?
So, what is income protection cover? It’s simple; it’s an insurance package specifically designed to cover a percentage of your earnings if you’re no longer able to work from a fall or injured whilst working with your horse.
Why Might You Need Income Protection Insurance?
One of the main benefits of income protection insurance is that it minimises the disruption caused to your life when you can no longer work. Illness, injury, or other circumstances can conspire to make you unable to work, either over the short term or long term.
In this instance, your income protection insurance will kick in. Meaning you don’t have to worry about essential life expenses still getting paid.
Taking Out Coverage Can Be A Wise Investment
When you work in a dangerous or high-risk environment like equine, you need to invest in yourself. Undoubtedly there are many safety measures in place, but accidents and injuries still happen.
Income protection insurance can help make sure you still have money for life’s expenses, even when you can no longer work.
Are there other Equine insurance options available?
You can combine personal accident and Injury insurance with other policies such as critical illness and life insurance.
Our expert advisors will take the time to understand what you need and help you decide the best option to suit your needs.
Get an Equine Insurance Quote
If you have any questions about equine insurance or want a free equestrian insurance quote, please send us an email.