Why You Should Work with a Specialist Horse & Carriage Insurer
It’s incredibly rewarding owning a horse and carriage business, whether that includes businesses such as horse-drawn weddings or funerals, prom rides, carriage driving instructors, agricultural work or even tourist hackney rides. As with most business ventures, carriage driving will present its own risks and challenges. Your priorities lie in the safety of the horse(s) and your passengers and ensuring your valuable assets are protected too.
Making sure you’re covered by the right level of insurance is essential. Choosing a specialist horse and carriage insurance provider such as Carriagehouse Insurance can offer significant advantages, but whichever insurance provider you choose there are many benefits to enjoy.
Tailored Coverage Options
Specialist horse and carriage insurance providers are dedicated to their chosen speciality – and this means they make sure they understand the specific risks associated with the commercial carriage driving industry. Horse and carriage businesses, by their very nature, will involve the transportation of passengers and this increases the duty of care owed to these passengers. Thus, the onus is on the carriage driver to prevent accidents which involve injuries or property damage. Therefore, the right public liability cover, which includes your fare-paying passengers, is an essential part of your business insurance.
It’s also important that you consider whether you require insurance for the unique needs of your business: employer’s liability for your grooms, insurance protection for the horses or carriages and any other additional assets or equipment. Specialist insurance providers have the skills, knowledge and industry insight to craft a policy to suit your specific requirements.
Experience and Expertise
A specialist insurance provider in the horse and carriage industry will understand the unique risks and challenges associated with operating within this industry. Using their extensive experience and expertise they can assess any and all risks accurately, providing comprehensive insurance cover to address the unique needs of your business. You will be asked to provide details of your general horse experience, your carriage driving experience and details of the main horses that you use.
With regard to the regulations that apply to commercial carriage driving, your local council will be able to advise you on whether or not you require a licence to operate.
Claims Handling Expertise
In the unfortunate event that you are involved in an accident, having specialist claims handlers and loss adjusters will ensure a smooth and efficient claims-handling process.
These insurance specialists will have a deep understanding of the industry and the specifics involved in horse and carriage-related insurance claims. This knowledge can help streamline the claims process, ensuring a fair and satisfactory outcome for all parties involved.
You will be asked to provide as much information as possible about any accident to your insurer. So we recommend that if you are involved in an incident, try to obtain any potential witness details and any photographic or video images that may be taken. Be aware that third-party claims, especially those involving injuries, can take time to assess and settle. However, the sooner your insurer is alerted to the incident, the quicker they can respond. This is especially important with third-party property damage claims, which can usually be dealt with quickly once liability is accepted.
Peace of Mind
You will gain peace of mind knowing your horse and carriage business is comprehensively protected by an expert insurance company. You can focus on doing what you do best and running your business, with the knowledge that you have sufficient cover explicitly designed to address any industry-specific risks.
Contact Us To Find Out More
From tailored coverage options to industry knowledge and claims handling expertise, Carriagehouse Insurance is able to provide you with comprehensive protection and the ongoing support you need.
You can call or email us today for a free and no-obligation quote. We have a range of policies to suit your needs which can be mixed and matched for your ideal level of coverage, including Commercial Liability Insurance for Carriage Drivers, Horse & Carriage Insurance, as well as Carriage & Harness Insurance. To safeguard not only your business but your horses and customers, working with Carriagehouse Insurance as a specialist equestrian insurance provider is a smart decision that can provide you with continued peace of mind allowing you to work with confidence.