Insurance for horses, me, dog, yard - help!

[tobiano1984]

Can anyone help? I'm trying to work out the most cost effective and simple way of insuring my most treasured possessions and can't decide what the best way to proceed is. This is what I need to cover:
Horse no.1 - currently insured, 100% vet fees, 3rd party/PL etc
Horses 2 & 3 - need to insure them 3rd party/PL only, they're solid young cobs and will be sold soon so not too worried about vets fees but need to insure them before they go out hacking
Dog - to be insured for vet fees and 3rd party/PL

Animal Friends insurance seems pretty reasonable and could cover all of the above.

Then I need to consider a couple of other things - I have a yard, with some liveries, so would like to insure that too probably just for liability. And I'd also like to insure myself - I ride my own youngsters and often get asked to school other horses too so I'd quite like cover in case I have an accident.

Is there anywhere I can insure everything together? Does the BHS do this? And for cover if I fall off and break something is it better to have some sort of rider insurance, or better to have private health insurance?

Any advice would be great!

 

[honetpot]

The BHS only do 3rd party liability and not for business use. I would ring SEIB or a good equestrian broker but be prepared public liability for a an equestrian business is expensive,