In 2026, the Irish equestrian landscape is busier than ever before. Many instructors now travel between various yards across the country. This lifestyle offers great freedom and flexibility. However, it also creates significant insurance gaps that many professionals often overlook. As a freelance instructor, your business is your reputation. Therefore, protecting that reputation should be your top priority.
The Freelance Instructor: Are You Actually Covered?
Many freelance instructors believe they are protected by the insurance of the yard where they teach. Consequently, they assume the yard owner’s policy extends to their personal business activities. This is a very common and dangerous misconception. Most commercial yard policies only cover their own employees or direct operations. If you are a freelancer, you are essentially a standalone business entity. Therefore, you are legally responsible for the advice you give.
Professional Indemnity is the first pillar of proper protection. This cover is vital if a student claims your instruction caused them a financial loss. For example, you might incorrectly teach a new dressage test. If the rider loses prize money as a result, they could potential sue you for negligence. Public Liability is the second essential pillar. This protects you if your actions cause damage to a third party or their property. Imagine your student’s horse escapes and damages a parked car during your lesson. Without your own policy, you could be personally liable for those costs.
Navigating the “Nomadic” Risk in Ireland
Furthermore, many “nomadic” instructors overlook the importance of “Care, Custody, and Control” cover. This specific insurance is crucial if you handle or ride a client’s horse yourself. Standard liability policies can often exclude injury to animals that are technically under your temporary supervision. For instance, if you are schooling a horse and it suffers an injury, the owner may seek damages. Without this specific extension, you could face a devastating legal bill. At Clear Insurance Ireland, we understand these Irish market nuances perfectly. Our team can provide bespoke solutions for independent professionals who operate across multiple locations.
In addition to liability, personal accident cover is often seen as a must for any self-employed equestrian. The nature of horse riding involves inherent risks. If you are injured and cannot teach, your income stops immediately. This policy provides a financial safety net during your recovery. Depending on the type of policy, it can cover medical expenses and provide a weekly benefit. Therefore, it allows you to focus on getting back in the saddle without financial stress. We ensure your livelihood remains secure, regardless of which arena you are standing in today.
Why Clear Insurance Ireland is the Choice for Freelancers
Why should you choose a standalone specialist like Clear Insurance Ireland? We understand equine risks and the difference between a “working pupil” and a “freelance instructor”. Our independence allows us to shop the entire market, which means we are not limited to one single Insurer. Consequently, we can find the right cover and price for your specific needs. Our claims support is among the best in Ireland. If an incident occurs, you need a partner who knows the equine industry. We will guide you through the process with expert advice.
Moreover, the regulatory environment in Ireland is constantly shifting. By 2026, many clubs and shows now require proof of insurance. Being able to show your Clear Insurance Ireland policy document gives you immediate credibility. It proves to yard owners and event organisers that you are a true professional. It also gives your students peace of mind while they learn. Ultimately, good insurance is an investment in your business growth.
|
Type of Cover |
Why You Need It |
|
Professional Indemnity |
Protects you against claims of poor advice or professional negligence. |
|
Public Liability |
Covers injury to third parties or damage to their property. |
|
Care, Custody & Control |
Essential if you ride or handle horses owned by your clients. |
|
Personal Accident |
Provides a financial safety net if you are injured and cannot work. |
Do not leave your professional reputation to chance. Transitioning to a dedicated freelance policy is simpler than you might think. Our team is ready to discuss your unique schedule and risks. We are here to help you navigate these complexities with ease. Contact us today to secure your future in the Irish equine industry.
Buying Equine Insurance
Ready to learn more? Contact Clear Insurance Ireland today to discuss your coverage needs. Let us help you ride with confidence.
Discover our full range of insurance services at www.clearinsuranceireland.com
Disclaimer: This blog post is for informational purposes only and does not constitute legal or financial advice. Insurance coverages and requirements can vary based on individual circumstances and policy terms. Always consult with a qualified insurance broker at Clear Insurance Ireland to discuss your specific needs and ensure you have the appropriate protection for your equine business.
