http://www.hoofon.co.uk/choosing-the-right-livery-yard-498652/
I saw this recently and I think it confirms that you should move! ASAP, if you haven't done so already!!
I have moved yards twice in the last 2 years - one was forced (i.e they were selling up) and one was of my own choice and a vacancy came up nearer to home.
Interestingly I saw this article on choosing the right livery yard http://www.hoofon.co.uk/choosing-the-right-livery-yard-498652/ and I...
I used to insurance my horse with horseinsurance.co.uk and they were a nightmare. In my experience they are weasles and will try everything to not pay out. My vet was v supportive and helped fight my claim.
I've since changed insurance company..