However, specialising in such large and often unpredictable animals like horses carries its own unique set of risks. Dealing with a sick or injured horse in a confined space such as a stable is incredibly dangerous, and if an animal lashes out by biting, kicking or crushing the vet the injuries can be severe. So horse vets in particular will need personal injury insurance to ensure that they are protected against physical injury when treating horses. While a certain amount of personal risk is understandable when working with such a large animal, a serious injury sustained whilst treating a horse could have a major impact on your financial security, especially if you are unable to work for any length of time.
Horses are also very valuable creatures, which means that you could be held responsible if such an expensive asset like a racehorse is damaged during treatment. If your actions result in a worsening of the animal's wellbeing or health then you could be held responsible for the financial loss to the owner. If you're dealing with racehorses then that amount could run into hundreds of thousands of pounds.