Many yard owners believe that if they only use freelance grooms, they don’t need Employers’ Liability Insurance. But that’s not always true — and getting it wrong can leave your business exposed to serious legal and financial risks. Claire Duffin from the Equestrian Employers Association explains.
When You Don’t Usually Need It
If your groom is genuinely self-employed, you normally won’t need Employers’ Liability Insurance. Signs of true self-employment include:
- They decide how and when they work
- They set their own rates
- They work for multiple clients
- They can send someone else to do the work
However, the reality is that most yards don’t meet all the criteria for genuine self-employment. This means that if a serious accident occurs and the situation is investigated, the groom may well be considered an employee in the eyes of the law, making Employers’ Liability Insurance a legal requirement.
When You Do Need It
If your “freelance” groom is effectively part of your team, the law may see them as your employee — even if they invoice you. You’ll likely need Employers’ Liability Insurance if:
- You direct how, when, or where they work
- They mainly or only work for your yard
- They use your tools and equipment
- They can’t send a substitute
Under the Employers’ Liability (Compulsory Insurance) Act 1969, you must have cover in place if someone working for you is legally considered an employee.
Why Their Own Insurance Isn’t Enough
Even if a groom has their own liability insurance, that doesn’t remove your responsibility. Their policy protects them if they cause damage or injury. Employers’ Liability Insurance protects you if someone working under your supervision is injured or becomes ill due to their work.
Without it, you could face fines from the HSE and be personally liable for medical costs, lost wages, and legal claims.
Protect Your Yard – and Your Peace of Mind
If a groom works under your control or as part of your team, you must have Employers’ Liability Insurance in place. It’s about protecting your people, your yard, and your future.
Join the Equestrian Employers Association today to access expert guidance, legal templates, and member support to keep your business compliant and covered.
Join now at equestrianemployers.org.uk