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Tailored policies to meet the needs of freelance and employed grooms.

Working as a groom and taking care of horses is an extremely important and rewarding job. However, it is also important that you take care of yourself by having insurance if an unforeseen event or accident happens. Groom insurance provides protection for several things, from personal accidents to custodial liability – and with tailored policies available, you get the right level of cover for what your position requires.

At Jane Chewins, we have over 30 years of experience in brokering insurance for the equine industry, with a specialist team on hand to design the perfect groom insurance policy, whether you are a freelance groom or are employed and on a payroll. So whether you are grooming, riding or visiting a horse at a stable, you will have a fully sufficient cover that will protect you against several events should they occur.

For more information or to discuss getting a bespoke groom insurance cover plan, you can make an online enquiry or speak with a member of our friendly team on 01948 820 000.

Policy benefits can include:

At Jane Chewins, we create bespoke groom insurance policies to match the needs of our clients. Whether you are a freelance groom visiting different stables, employed and working at one livery yard or an employer,  your policy inclusions may need tailoring to suit your situation or business. This is where our specialist team can help – we will work with you to make sure you have the groom insurance cover that matches your situational needs.

To give you an idea of what sort of things to expect a policy to cover, here are some common inclusions of groom insurance: 

  • Public liability
  • Custodial liability
  • Employer liability
  • Personal accident cover

How much each inclusion is covered for will depend on the level of cover you choose. For more information or to get a groom insurance quote, you can fill in the enquiry form, or speak with a member of our team at 01948 820 000.

Why choose us:

  • We have over 30 years of experience and a deep understanding of insurance requirements for the equine industry.
  • As a member of the award-winning Bravo Network, we have wide access to the insurance market, so you can be assured that we will find you the groom’s insurance cover. 
  • Our specialist team handles all claims in-house.
  • As well as providing professional advice, we believe strongly in adding in a personal touch. This is why we make ourselves available whenever you need us.
brushing horse

Groom Insurance FAQs

How can I claim on my policy?

At Jane Chewins, you can report insurance claims quickly and easily using our dedicated App, available on IOS and Android devices. If you want to begin a claim against your groom policy, you can use the App to gather as much data as possible. Information provided will be passed directly to our team, who will act swiftly to handle your claim. 

Alternatively, you can call and speak to our team – we will be happy to guide you through the claims process.

What is a freelance groom?

A freelance groom is someone who works independently, offering their services usually to multiple stables. As with most ‘freelance’ jobs, working independently means you have customers and not employers. This does mean that you will need to take out insurance yourself, unlike an employed groom position where your employer will likely take on that responsibility. 

Do I need insurance to be a riding instructor?

The short answer is yes. As a riding instructor, you will have a duty of care to yourself, your clients and the horses under your instruction. Although you may fully understand the temperaments of the horses, you can’t guarantee an unforeseen event may happen. A comprehensive policy will provide you cover for several things including public liability, legal expenses and custodial liability, so that should it come to it you have protection for your business. 

To enquire about a quote or for more information, you can fill in a form or speak with a member of our team on 01948 820000. We are always happy to help. 

Enquire about a quote

Our Commitment

To ensure we continue to offer all of our clients the best possible service, we make the following commitments:


To listen and work in partnership with you.


To focus on your needs at all times.


To provide prompt and accurate responses to requests and enquiries.


To provide strong and professional advice at all times.


To provide intelligent and competitive solutions.


To ensure documentation is produced promptly.


To provide continuous appraisal of your risks.


To be pro-active in advice given.

JCL Insurance Brokers look after all of my insurances and have for a number of years. They are fast, professional and always at the other end of the phone

Oliver Townend

FEI World Number 1