BHS - As part of the Gold Membership, they include Personal liability Insurance and Personal accident insurance cover. You also get the other benefits like legal helpline etc.
I think that most of the horse insurers offer something similar too, like NFU, E&L etc???
What cover do you need?
3rd party liabiity
Income replcement if you are injured?
Cover for any injuries to hrose you are riding ( eg borrowed horse)
BHS is for horse you own, for 3rd party
NFU does one that covers non-horse-owning riders
If you need an injury cover type policy, any normal general insurer does them - they can you for lost income or provide lump sums in case of serious injury, riding or otherwise