Provided you have given your permission, then we would regard another rider or handler as the insured whilst they where working your horse or donkey. Incidentally, the Personal Accident and Passenger covers are for unnamed people, so anyone can be a passenger in your carriage as long as they haven't paid to be there!
Carriagehouse Insurance Services, Spring Farm, Stratford St Mary, Colchester, Essex, CO7 6NB Telephone 01206 337388