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Owner’s public liability insurance warning after £14m injury claim *H&H Plus*

A recent case where the part-owner of a racehorse received a claim for £14m after a work rider was injured in a fall on the gallops, has highlighted the need for all owners to have sufficient public liability cover, even if the horse is not in their day-to-day care. H&H speaks to legal experts to find out more, including how this relates to horses on loan...

Owners must ensure they have the right public liability cover in place for their horses, even if the animals are not in their care, or face “losing everything”.

Under the Animals Act 1971, “strict liability” for damage or injury caused by animals falls to their owners or keepers, both of whom could therefore face sizeable claims for compensation.

Glynn Linder found himself in this position when a rider suffered life-changing injuries in a fall from a racehorse he part-owned, and submitted a claim for £14m.

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