• KBIS Yard Combined Liability Insurance Proposal Form

    KBIS Yard Combined Liability Insurance Proposal Form

  • What type of Business is this form for? 

    - Livery Yards

    - Private Yards

    - Competition Yards; Dressage, Show Jumping, Eventing, Polo etc.

    - Non-Thoroughbred Studs

     

    What cover is provided by this type of insurance?

    Public Liability

    Provides cover against Bodily Injury to third parties or Damage to third party property.
    There are three limits of cover available

    • £1,000,000
    • £2,000,000
    • £5,000,000

    Employers Liability

    Provides cover against Bodily Injury, Illness or death sustained by persons employed by you, happening during the course of their employment.

    Care, Custody or Control

    Provides cover against Death and/or Accidental Injury to horses in your care, custody or control in respect of claims made against you by the owner(s). Up to £10,000 per horse is included free of charge.
     

    GUIDELINES

    The Public Liability cover provided by this policy does not include riding instruction of any kind unless you choose to include cover for freelance instruction. 

    Employer's Liability Insurance is not available in isolation and must be taken in conjunction with Public Liability Insurance.

     

    How should this form be completed?

    This form can be completed using your computer or internet enabled device. 

    Questions marked with an asterisk (*) must be completed.

    The form asks a number of questions that allow KBIS to underwrite your risk accurately. Please make sure that you work through the form from beginning to end answering all questions in order. 

    You should contact KBIS if you:

    - are having difficulties completing this form,

    or

    - have questions about how you should complete this form,

    or

    - are not sure whether this is the correct form to complete. 

    You can contact KBIS by:

    - calling 0345 230 2323 and choosing to speak to the Liability team.

    or

    - by sending an email to liability@kbis.co.uk

     

    Who should complete this form?

    This form can be completed by:

    - a customer acting personally,

    or

    - on behalf of a company you own or work for,

    or

    - an Insurance Broker (including intermediaries and appointed representatives)

    What happens after I have completed this form?

    Once you have submitted your completed form KBIS will provide you with a quotation for the requested cover as soon as possible.

    If the quotation is satisfactory you can proceed with cover by contacting KBIS directly. The telephone number to call is 0345 230 2323, alternatively, you can send an email to liability@kbis.co.uk.

    Please note that a policy will not be started until KBIS confirm that cover is in place.

     

  • KBIS Yard Combined Liability Insurance Proposal Form

    KBIS Yard Combined Liability Insurance Proposal Form

  • Who is making this Application?

  • Broker Details

  • To the best of your knowledge, is there a 'Terms of Business Agreement' in place?*

  • Proposer's Details

    The Proposer/Policyholder is the person who is completing this form and taking out the policy on behalf os someone else.

  • Date of Birth
     - -
  • Are you happy for KBIS to contact you by email?
  • Can KBIS talk to anybody else about this insurance?*

  • Insured's Details

    The insured is the person to be covered by this insurance policy

  • Are you happy for KBIS to contact you by email?*
  • Can KBIS talk to anyone else about this insurance?*

  • KBIS Yard Combined Liability Insurance Proposal Form

    KBIS Yard Combined Liability Insurance Proposal Form
  • Information about the business
     
  • Do you have a business or trading name?*
  • Is your turnover between:*
  • Is the business address different from the customer address?*
  • What is the nature of your business? (Tick all that apply)*

  • What kind of livery service do you provide? (Tick all that apply)*

  • Are the premises BHS or ABRS approved?
  • Do you offer rehabilitation services or treatments?*
  • Do you offer behaviourist services or treatments?*
  • Do you sell horses from the premises, or do you offer a sales livery service?*
  • Of these please state the maximum number of Horses/Ponies on the premises at any one time that are: 
  • Do you keep any livestock at the premises?*
  • Do you require Public Liability insurance for the livestock?*
  • Do you personally give riding instruction at the premises?*
  • Do you provide horses for these lessons?*
  • Would you like KBIS to offer a quotation for this risk?*
  • If No, do you hold an appropriate insurance policy to cover for liabilities arising out of this risk?*
  • What teaching qualifications do you have?*

  • Do you hold shows at the premises?*
  • Are these shows open to the public?*
  • Are any of the shows affiliated to an association that provides cover for organisers?*
  • Which association(s) provide cover for your affiliated shows?*

  • Are there any facilities at the premises which are available for hire?*
  • What facilities do you hire?*

  • Please indicate the total number of employees of each type working at any one time, including part-time workers, those paid in kind and volunteers.
  • Total number of Employees*
  • Number of Employees carrying out manual labour*
  • Number of Employees carrying out clerical duties (Employees who carry out both manual and clerical duties should be included in the list above)*

  • Do you operate a staff training programme ?*
  • Do you keep a record of all training that staff receive?*
  • Are new staff supervised until assessed as competent?*
  • Do you have an Employers Reference Number?*
  • If you are unsure about whether you may have an Employers Reference Number please contact KBIS or your Insurance Broker.
  • Do you travel outside of Great Britain, Northern Ireland, Isle of Man or Channel Islands in connection with your business?*
  • Do you require cover whilst travelling to these areas?*
  • Please tell us where you travel*

  • Are you accompanied by employees when travelling?*
  • How frequently do you travel?*

  • KBIS Yard Combined Liability Insurance Proposal Form

    KBIS Yard Combined Liability Insurance Proposal Form
  • Information about how you manage risks to your business
     
  • Are all existing and/or new customers asked to sign a contract?*
  • Do you ensure that each of your customers has their own valid Public Liability Insurance?*
  • Do you have an Accident Report Book*
  • Is it kept up to date?*
  • Do you have risk assessments for each of your businesses activities?*
  • How frequently do you review and update your risk assessments?*
  • Do you have a Health & Safety statement?*
  • How frequently do you review and update your Health & Safety Statement?*
  • Do you hold a First Aid Qualification?*

  • KBIS Yard Combined Liability Insurance Proposal Form

    KBIS Yard Combined Liability Insurance Proposal Form
  • Additional Information about your Premises
     
  • Does this fencing encompass all the paddocks/fields?*
  • Is the height consistent all the way around the perimeter of the paddock(s)*
  • How frequently do you check the fencing?*

  • Do any of the paddocks have a public footpath or right of way running through them?*
  • Is the footpath/right of way fenced to prevent the public accessing grazing horses?*
  • Do any other individuals or groups have access to any of the paddocks for any reason whatsoever?*
  • Do any other businesses operate from or at the premises?*
  • Do you have a shop or do you sell items which are not produced at the premises?*
  • Do you have a Café and/or restaurant at the premises, or do you sell food and drinks at the premises?*

  • KBIS Yard Combined Liability Insurance Proposal Form

    KBIS Yard Combined Liability Insurance Proposal Form
  • Cover Required
  • If you have advised that you have employees in the questions above we will include Employers Liability cover in your quote. 
     
    Employers' Liability
    Employers' Liability covers the policyholder for their liability to an employee in the event they are injured, killed or contract an illness. The standard limit of indemnity is £10,000,000 per incident for all claims except for claims relating to terrorism where the limit of indemnity is reduced to £5,000,000. Please consult the terms and conditions for full information including conditions and exclusions.
  • ELTO Notice

    If You have purchased cover under Section A and this Policy provides employers’ liability cover, then certain information relating to it including:

    - the Policy number(s)

    - employer’s names and addresses (including subsidiaries and any relevant changes of name)

    - coverage dates

    - (if relevant) the employer’s reference numbers provided by Her Majesty’s Revenue and Customs

     will be provided to the Employers’ Liability Tracing Office (the “ELTO”) and added to the Employers’ Liability Database (the “ELD”).

    It is understood by You that the above named information provided to Us will be processed by Us, for the purpose of providing the ELD, in compliance with the provisions of the Employers’ Liability Insurance Disclosure by Insurers Instrument 2010.

    The ELD will be managed by the ELTO. The ELTO may provide such information to third parties to assist individuals with claims arising out of their course of employment in the United Kingdom for employers carrying on, or who carried on, business in the United Kingdom, to find the insurer that was providing employers’ liability cover during their relevant period of employment and also to find the relevant employers’ liability insurance policies.
  • Public Liability
    Public Liability covers the policyholder for their liability to third parties in the event they sustain an injury or property damage. A number of different limits of indemnity are available. Please indicate all levels at which you would like a quotation. Please consult the terms and conditions for full information including conditions and exclusions
     
  • Do you require cover for Public Liability?*
  • What limit of indemnity do you require?*
  • Custodial Liability (Care, Custody and Control)
    Care, Custody and Control covers the policyholder for their liability to their customers if the event that the horse(s) in the Policyholder"s care, custody or control is injured or killed. A number of different limits of indemnity are available. Please indicate all levels at which you would a quotation. Please consult the terms and conditions for full information including conditions and exclusions.
     
  • Do you require cover for Care, Custody or Control insurance?*
  • What limit of indemnity do you require?*

  • KBIS Yard Combined Liability Insurance Proposal Form

    KBIS Yard Combined Liability Insurance Proposal Form
  • Information about your insurance history and background
     
  • Are you presently insured in respect of Public/Products liability insurance for this risk?*
  • Have you or any partner in business with you had any proposal for Insurance declined, renewal refused, cover terminated, or special terms and conditions imposed by any Insurer (in connection with any Liability Insurance)?*
  • Has any incident occurred over the past 5 years involving bodily injury or damage to property, whether a claim was made or not?*
  • Have you, or any partner in business with you ever been charged or convicted of any criminal offence or been prosecuted (or have prosecutions pending) under the Health and Safety at Work etc. Act 1974, Factories Act 1961 and/or Consumer Prosecution Act 1987?*
  • Have you, or any partner in business with you ever been declared bankrupt, through the process of liquidation (other than a members/shareholder’s voluntary liquidation): an officer or director of an insolvent company and/or disqualified under the company directors disqualifications act 1986?*
  • Have you, or any partner in business with you ever received a county court judgement (CCJ)?
  • Have you or any partner in your business ever been disqualified from holding (as appropriate) a Licence under The Animal Welfare (Licensing of Activities Involving Animals) (England) Regulations 2018 [Schedule 5: Hiring out Horses] or Riding Establishment Acts 1964 & 1970; [c] a Licence for “Performing Animals” or the “Keeping or Training of Animals for Exhibition” and/or have had the relevant Licence(s) refused, suspended, varied or revoked?*

  • KBIS Yard Combined Liability Insurance Proposal Form

    KBIS Yard Combined Liability Insurance Proposal Form

  • Offer Code

  • PROPOSERS DECLARATION

    Important - Information you have given us.
     
    In deciding to accept this insurance and in setting the terms and premium, we will rely on the information you have given us.  You must take care when answering any questions we ask by ensuring that all information provided is accurate and complete.  

    If we establish that you deliberately or recklessly provided us with false or misleading information we will treat the insurance as if it never existed and decline all claims.  

    If we establish that you carelessly provided us with incorrect or incomplete information that we have relied upon in accepting the insurance and setting its terms and premium we may;      

    •  treat the insurance as if it had never existed and refuse to pay all claims and return the premium paid.  We will only do this if we provided you with insurance cover which we would not otherwise have offered;  
    • amend the terms of your insurance.  We may apply these amended terms as if they were already in place if a claim has been adversely impacted by your carelessness;
    • charge you more premium for your insurance or reduce the amount we pay on a claim in the proportion the premium you have paid bears to the premium we would have charged you;or
    • cancel your insurance.

    If you are in any doubt at all regarding any of the answers you have given, you should ask your broker or contact KBIS Ltd.

    You must tell us, within 14 days of you becoming aware, if any of the information provided by you changes after you purchase your policy and during the period of your policy.

  • I agree with the above statements*

  • It is a condition of this policy that you agree to the terms specified above. If you do not agree with these terms KBIS and their Insurer's cannot provide any insurance cover.

  • Privacy Policy

    Please take the time to read through our Privacy Policy available here - KBIS Privacy Policy

    Before selecting the tick box below.

  • ELTO Notice

    If You have purchased cover under Section A and this Policy provides employers’ liability cover, then certain information relating to it including:

    - the Policy number(s)

    - employer’s names and addresses (including subsidiaries and any relevant changes of name)

    - coverage dates

    - (if relevant) the employer’s reference numbers provided by Her Majesty’s Revenue and Customs

     will be provided to the Employers’ Liability Tracing Office (the “ELTO”) and added to the Employers’ Liability Database (the “ELD”).

    It is understood by You that the above named information provided to Us will be processed by Us, for the purpose of providing the ELD, in compliance with the provisions of the Employers’ Liability Insurance Disclosure by Insurers Instrument 2010.

    The ELD will be managed by the ELTO. The ELTO may provide such information to third parties to assist individuals with claims arising out of their course of employment in the United Kingdom for employers carrying on, or who carried on, business in the United Kingdom, to find the insurer that was providing employers’ liability cover during their relevant period of employment and also to find the relevant employers’ liability insurance policies.

  • KBIS Newsletter

    We would like to offer you the opportunity to opt in to receiving our monthly e-newsletter which includes access to our latest competitions, offers, and products along with useful advice on all things horses.

    We will only communicate with you by email with your explicit consent and will not share your data with any third parties. If at a later date you do not want to receive our newsletter you can opt out at any time. Further details on how we handle data are contained in our privacy policy and on our website.

  • KBIS Newsletter*
  • Electronic Signature
  • By completing the section below and submitting this form you acknowledge that you are electronically signing this document and have complied with the requirements set out above.
     
  • Date of application*
     - -
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