Freelance grooms are defined as those professionals who work part time for different employers ,, trainer or instructor allows a degree of flexibility to both parties and also on a casual cover basis i.e. when permanent staff are sick or on holiday.
For clients looking for training, which is provided by a professional instructor, at home on their own yard the same freelance insurance cover principals would apply.
From the point of view of the professional offering a service to others it is essential that in todays litigious society we must protect ourselves from being sued by a third party and Freelancers are no exception. Whether you are an instructor, trainer or a groom you must protect yourself. Likewise those who employ trainers and outside horse help must make sure they are covered by appropriate insurances. The BHS offer Public Liability cover with their membership. Which for freelance instructors would protect you if the person you are teaching on their own horse was to fall and sustain an injury and you were found to be legally liability for the injury. Furthermore if as an instructor or groom you were to ride or handle someone else’s horse and the horse caused any third party property damage or bodily injury whilst doing so then the policy would protect you should a claim be made against you.
However for the professional freelancer it might be advisable to consider a more compressive policy e.g. SEIB who, unlike the BHS include care, custody and control for horses under your care.
Care Custody and Control cover is an optional extension to the public liability and would protect you as the instructor or groom should a horse whilst in your care, custody or control be injured and the owner of the horse were to claim against you for the injury. For example if a groom was clipping a horse and accidentally cut the horse, the owner of the horse may claim from the groom for the resulting vets fees from the accident.
Also it should be noted that anyone employing members of staff must carry Employers Liability and is essential cover if you were to have a helper or student to assist with your freelance instructing or groom duties. The cover protects you as the ’employer’ should the helper or assistant get injured whilst carrying out their ’employed’ duties.