whats the difference?????

[ThomasTank]

between personal liability and public liability ?????

 

[rema]

I think it is...Personal is when the horse hurts you Say brakes your leg or something and public is when the horse hurts somebody else or their property.

 

[ThomasTank]

Damn and blast

I need public then

 

[the watcher]

Is this for a business or just for you? If you just need it for you for horse related stuff you could get it with gold BHS membership

 

[ThomasTank]

Its just for me and my horse is roughly 30.
I am moving yards and the new pwople want to have a copy of my insurance so I need to quickly get some !!!!

 

[the watcher]

Then BHS Gold will provide 3rd party liability (you will only need to show your YO your membership card- cover provided by SEIB), and the bonus is if you insure any other horses you can remove the 3rd party liability from their cover and save some money in the process - my BHS membership works out virtually free by doing this

 

[ThomasTank]

but it says personal liability

 

[Serephin]

u would only need public liability if you were a business or establishment - as a horse owner you will only need personal liability. unless you plan on giving people lessons on your own horse or something.

 

[ThomasTank]

so whats the difference between the two ???