We are about to sign an agreement for a part loan for my 7 year old daughter. She will be riding a mixture of lead rein and off lead. When on the yard, either me or her dad will always be present and will help with handling/grooming/turning out etc. I have bought Gold member riders and public liability insurance for my daughter through BHS. Do I also need to buy a separate policy for myself (and husband) as we will be handling (although not riding) the horse?