The Worst Case, Yet Frequent, Scenario
Care, Custody and Control insurance is often referred to as Custodial Liability insurance and provides cover for the insured against claims that arise from the death and/or accidental injury to horses/ponies that are in their care, custody and control. This could be as livery, be they assisted, part or full time liveries, or a horse that may have been sent to a rider for schooling.
CCC insurance is most commonly found combined with Transporters Insurance or Livery Yard Insurance.
The policy will offer a benefit to be paid for veterinary fees and/or the current market value of the horse, up to the limit of indemnity, in the event of an accident, sickness, disease or death of the horse.
Levels of Cover
There are 3 limits of indemnity available as shown below:
| Option 1 | Option 2 | Option 3 | |
| Maximum claim per animal | £10,000 | £25,000 | £50,000 |
| Maximum claim per incident | £50,000 | £75,000 | £100,000 |
| Maximum claims in a year | £125,000 | £175,000 | £250,000 |
| Public Liability as Standard | £1 million | £1 million | £1 million |
Options:
- Higher Limits are available upon request
- Cover available for European Transportation
- Employers Liability
Transporter Insurance
By law, if you are moving goods, in this case, horses, ponies and donkeys in exchange for money, you must have the relevant certificate and qualification to cover equine transit for journeys. Without this, you will not be able to put this insurance in place.
If your business revolves entirely around the safe transportation of other people’s horses, there is nothing to gain by opting for substandard insurance, as the risks could just be too great. At Atlas we know precisely what cover you need in place to be well protected in your business operations, while giving your customers the confidence in your services. We also include Public Liability as standard.
Livery Yard Insurance
Livery yard insurance arranged by Atlas gives you as the yard owner the opportunity to cover your business simply and effectively, so you can be confident that behind the scenes of your bustling enterprise, you’ve got the right protection in place.
Atlas has many years of experience when it comes to understanding the requirements of a livery yard owner. The result is a range of insurance policies designed specifically for protecting you as the owner, along with your staff and your customers. From riding instructors and livery yards to stud farms, Atlas specialise in finding insurance solutions designed to protect you and help ensure you and your business financially covered.
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When the wheels fell off my lorry the Atlas team were incredible. They called to check up on me, they arranged recovery and when the lorry was deemed a write off I was even given the option of keeping the scrap or not.
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Atlas not only provided a much more comprehensive policy but at an incredibly competitive price. Everything was very simple.
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We've insured with Atlas for a number of years and have always been very impressed with the customer service, claims handling, and competitive pricing. I've now moved all of our business and personal polices to Atlas
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I have found Atlas to be responsive and flexible in providing me and my company with individually tailored insurance packages to cover exactly what I need, at very competitive prices.
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We have worked with Atlas for many many years now! We use them for everything from our horses to our cars, our yard liability to the home insurance... They are a great company to deal with, both in terms of competitive rates and their customer services. I would highly recommend anyone looking at insurance to get in touch with them
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I have insured a few horses with Atlas over the years and have always been very impressed. The team on the phones are super helpful and they have always been great at paying out any claims. I wouldn’t hesitate to recommend their service to any of our Members
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What can we say about Atlas? As an insurer if you want the best cover then you need to be with Atlas. Their service is second to none and their staff are always friendly, knowledgeable and there to help you, nothing is too much trouble.
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It is a comfort to know that the horses are Insured with Atlas. They are a professional but friendly company, competitive and knowledgeable. On the claim we had they were fast and efficient and nothing was too much trouble. Would happily recommend Atlas Insurance, especially as they have such a vast range of options from everything equine to travel and household.
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Atlas is our absolute go-to for all of our insurance needs from house, yard and horse, to cars and liabilities. The team in the office are easy to talk to and they actually take the time to get to know you as a client. Most importantly, when you need to claim for something, they are quick and listen to your needs, making the whole process much less stressful in your hour of need. We wouldn't use anyone else!