Equine Insurance | Get Tailored Horse Insurance

To provide us with the best possible chance to protect you, it is important that we know about your accident(s) as soon as possible.

At Canopius, we have created Equine Accident Reporting Guidance that sets out which type of injuries and/or circumstances you must report to us. This list is also broken down into a series of FAQs at the bottom of the page.

If an accident has arisen which falls within the scope of our Equine Accident Reporting Guidance, please complete the Accident Report below.

Once submitted, a copy of your completed Accident Report shall be emailed to you, our appointed delegated claims administrator, and us.

If you have not received a copy of your completed Accident Report or are unsure whether an accident should be notified, please contact us at cnpequineliabilityclaims@canopius.com.

Please note that, at present, this service is open to Policyholders domiciled within Great Britain, Northern Ireland, the Channel Islands, the Isle of Man and the Republic of Ireland only.

Accident Report Form

Please complete one Accident Report per Injured or Affected Party.

"*" indicates required fields

Step 1 of 6

*Asterisked questions must be responded to.

YOUR DETAILS

*Broker Name*

*Broker Email*

*Policy Number:*

Your Policy Number can be found on your (latest) Policy Schedule.

*Insured Title:*

If you are reporting an accident which occurred under your Membership of an Association [Master Policy], please state "Association - Your Name (as declared on your Membership Form)]" here [e.g. "British Eventing - Joe Bloggs"]. Otherwise, please state the 'Insured Title' on your (latest) Policy Schedule.

*Trade Type:*

*Number of Years Operating in this capacity:*

Please state the number of consecutive years you have been trading/operating in this guise (even if your Business Name, for example, has changed). If you have taken a "career break" or your involvement is paused, the clock is re-set.

*Membership(s)/Affiliation(s):*

Select which Memberships/Affiliations you held at the time of the accident. You may select more than one.

*Primary Reason for Record:*

As listed within Canopius‘ Equine Liability Accident Reporting Guidelines.

WHERE

*At Your Premises:*

Yes

*Surface/Terrain:*

*Location Type:*

What3Words:

Visit https://what3words.com/ and enter your Postcode into the Search bar. Then find the 'square' in which the accident occurred (this may be easier to locate by pressing or flicking between the 'satellite' imagery in the bottom-right hand corner). Confirm the 3-word location [e.g. "pretty.needed.chill"] here.

*Address:*

*Postcode:*

*County:*

*Country:*

WHAT

*Activity organised by You and/or Your Business:*

Yes

*Occurred During:*

*Loss Type [1]:*

*Loss Type [2]:*

*Loss Type [3]:*

*Activity Type:*

*Equine Discipline:*

*Gait:*

*During Warm-up/Exercise/Cool-down:*

*Jumping:*

*Accident Type:*

*Body Part(s) Injured #1:*

*Nature of Injury/Internal or Sensory Organ Injured #1:*

*Body Part(s) Injured #2:*

*Nature of Injury/Internal or Sensory Organ Injured #2:*

*Body Part(s) Injured #3:*

*Nature of Injury/Internal or Sensory Organ Injured #3:*

*Please provide a brief, factual description of the accident circumstances:

DECLARATION

*Full Name of Person completing this Accident Report:*

*Email*

*Occupation:*

*Accident Record Date:*

*Address:*

*Postcode:*

*County:*

*Country:*

*I have retained the Name(s), Role(s) and Contact Details of any/all Witnesses present:*

N/A

Yes

*Would you like to complete another Accident Report in respect of the same accident (but involving another Injured or Affected Party)?*

Yes

FAQs

What type of injuries must I notify to Canopius?

Amputations
Bone fractures or stress fractures
Burn injuries (including scalding)
Complete loss of sight or deterioration in vision in one or both eyes (permanent impairment or temporary interference)
Deafness (total and partial hearing loss), loss of speech (speech deficit) and/or tinnitus
Degloving injuries (open or closed)
Epicondylitis [inflammation of the elbow joint: medial (golfer’s elbow) or lateral (tennis elbow)]
Facial injuries
Hair damage leading to any skin condition, tingling or ‘burning’ of the scalp and/or hair loss (bald patches) attributable to the accident
Head or brain injuries (including concussion)
Joint dislocations
Repetitive strain injuries (RSI)
Reproductive system injuries
Scalping (separation of skin from the head) requiring medical treatment by a registered medical practitioner and/or visit to a medical facility
Spinal injuries [from “minor” back injuries (without surgical intervention) to paralysis]
Tendons which rupture or tear [whether completely (severance) or partially]
Torso injuries which cause damage to internal organs in the chest or abdomen

Does this extend to psychological (as well as physical) injury?

Yes: Work-related stress (including that triggered by bullying, harassment and/or discrimination) or post-traumatic stress disorder (PTSD); and
Other recognisable psychiatric or psychological injury

Are any other illnesses, diseases or medical conditions notifiable?

The following illnesses, diseases and medical conditions are also notifiable:

Cancer attributable to an occupational exposure to a known human carcinogen or mutagen (including ionising radiation) [e.g. lung cancer and mesothelioma (asbestos-related disease)]
Complex Regional Pain Syndrome [CRPS], Fibromyalgia Syndrome (Fibromyalgia) [FMS], Chronic Pain Syndrome [CPS], Myalgic Encephalomyelitis or Chronic Fatigue Syndrome [ME/CFS], Conversion Disorders [Dissociative Disorders], Somatic Symptom Disorders and any other Pain Disorder
Disease attributable to an occupational exposure to a biological agent
Hypothermia or heat-induced illness
Occupational asthma
Occupational dermatitis, eczema, psoriasis or any other skin condition
Vibration white finger [VWF] and/or hand-arm vibration syndrome [HAVS]

What if a person is referred for medical treatment or attends a medical facility?

Yes: Any person who is referred for medical treatment by a registered medical practitioner and/or visits a medical facility (e.g. a doctor’s surgery, dentist or hospital) as a result of the injury/ies sustained is deemed notifiable
This includes any case(s) where a person loses consciousness; and/or requires resuscitation

Regardless of the injury/ies sustained, are there any deadlines (missed) which are notifiable?

Yes: Any injury arising out of or in connection with work which results in an Employee (as defined within Your Policy) or contractor being away from work or unable to perform their normal work duties for more than three consecutive days (not counting the day of the accident, but including weekends or other rest days)

Are fatalities reportable to Canopius?

- Yes: Deaths arising out of or in connection with a work-related accident; and
- Suicides which occur at Your Premises

What about damage to property belonging to others?

Injury, illness or disease (fatal or non-fatal) to any Horse(s) [not owned (whether fully or partially) by You] within Your care, custody or control for which there has been intimation of a claim against You and/or where You suspect a claim may arise.

Are there any other circumstances which require notification?

Yes:

Any circumstance which has prompted an investigation under Your safeguarding policy
Cases of food poisoning or toxicosis
Cases of physical abuse, sexual abuse and/or false imprisonment
Loss of taste and/or smell following an accident
Any other circumstance where there has been intimation of a claim against You and/or where You suspect a claim may arise

Our full ‘Equine Accident Reporting Guidance’ document can be found below:

Download Equine Accident Reporting Guidance

Equine Liability: reporting an accident