Complete Commercial Property Insurance
Trusted by riding centres, trainers and rural businesses
Whether it’s a working yard, a riding school or an equipment room, commercial property insurance should be designed for the real needs of equestrian facilities.
Supporting your business from the ground up
Every stable, school, and yard tells a story of daily hard work and care. Commercial property insurance makes sure the spaces you rely on are properly covered.
You can shape your cover around the facilities you operate, whether you’re running lessons, housing horses, or maintaining multi-use rural buildings. It’s specialist business insurance that keeps things simple, helps manage risk, and protects the spaces that matter most, all under one flexible policy.
Buildings and facilities we typically cover
Equestrian properties come in all shapes and sizes, and our commercial property insurance policies are designed to protect them. Every property is different, which is why our partners Thornhill Insurance Brokers offer flexible protection that reflects how your space is used, from teaching and turnout to storage and admin.
These are some of the most common equestrian buildings insured, though you can tailor your cover to suit a variety of property types and layouts:
- Stables and barn buildings: Core structures used to house horses and equipment
- Riding schools and arenas: Including indoor and outdoor training areas
- Livery yards and grazing land: Supporting everyday care and turnout
- Tack rooms and storage areas: Cover for buildings and contents, including specialist gear
- Office spaces and reception areas: Protection for admin areas
- Outbuildings and shelters: Including wash bays, feed rooms, and on-site storage
More than just bricks and mortar
Access tailored commercial property insurance quotes designed to protect the full scope of your business (equestrian or otherwise). Whether you’re insuring a standalone stable block or a full riding school and livery operation, we can help build a policy around your setup.
Typical cover can include:
- Buildings insurance: Protection for permanent structures such as stables, tack rooms, barns, indoor/outdoor arenas, and offices
- Fixtures and fittings: Insurance to cover for things like gates, lighting, built-in storage, or surface materials (e.g. arena flooring)
- Contents cover: Insurance for items stored on-site, such as tack, tools, feeding equipment, and office supplies
- Public liability insurance: Protection in case someone is injured or their property is damaged on your premises
- Employers’ liability insurance: Required if you employ staff or volunteers on site
- Loss of rental income or business interruption: Legal expenses cover in case your facilities can’t be used due to an insured event
- Theft, fire, storm and flood cover: Core protection for the most common and costly risks to rural properties which may need a repair or even a rebuild.
Get insured in 4 easy steps
We make it easy to get the protection you need, without the hassle.
Tell Thornhill Insurance Brokers
Build your policy
Review and confirm
You’re covered
Why choose Thornhill Insurance Brokers in partnership with Harry Hall for your Business Buildings Insurance
When it comes to cover for commercial properties, it helps to work with people who understand the industry.
Here’s why businesses choose Thornhill to insure their property:
- Industry knowledge – Understanding the daily demands of equestrian life, from muddy yard access to protecting specialist equipment and storage spaces.
- Tailored protection – Every property is different. They’ll help you shape a policy that reflects the way your space is used, so you’re not paying for cover you don’t need.
- Simple and supportive – From your first quote to updating your policy, we’re here to keep things straightforward. No jargon, no fuss.
- Flexible options – From solo operators to large fleets, we’ll help you find the policy that fits without paying for cover you don’t need.
- One trusted provider – They can help cover everything from a single block of stables to a full commercial setup with riding arenas, staff rooms and more.
Ready to get started? Get a personalised quote today and find out how simple it is to protect your equestrian property with cover that fits.
Reviews from our members
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Frequently Asked Questions About Commercial Property Insurance
Commercial property insurance typically covers the buildings, fixtures, and contents used in your business, like stables, arenas, tack rooms and storage. Your policy can be tailored to your setup.
Yes, if you’re responsible for the car parks, buildings or equipment on-site, it’s important to have protection in place should anything happen to your property even if you lease the land.
Yes, our policies can include cover for personal belongings inside the vehicle, up to £2,000, as well as up to 180 days of travel across Europe. Its flexible cover is built for the way you travel.
Absolutely. We can build a single policy that covers a range of buildings across your equestrian property, including any outbuildings or shared-use spaces.
Yes, you can choose to include contents cover for tack, tools, feed, and more. Just let us know what you’d like protected.
Just get in touch with our team to find the right cover. We’ll ask a few simple questions about your property and send you a tailored quote, no jargon, no pressure.
Yes. If you rent out equestrian buildings or land, you’re legally responsible for insuring the structures. This type of landlord insurance is used to cover your property in case of risks like fire, storm damage, subsidence or theft. Tenants will require additional cover for their own equipment using suitable contents insurance cover.
About our partner Thornhill Insurance
With years of experience in providing specialist insurance solutions for high net worth individuals, Thornhill Insurance offers a level of service that’s above and beyond. Independent brokers take the time to understand your needs and offer personal advice and access to policies that aren’t available on the high street.
Contact the team today for a quote.
Call 01274 916446
