Monday, January 11, 2021

Which Equine Professionals May Want To Consider Equine Liability Insurance


Working with horses can be, at times, unpredictable and always carries a risk. There is no way of knowing what may happen on any given day, but there is a way to prepare. Those who work professionally with horses in a variety of capacities can greatly benefit from carrying a policy in equine liability insurance. While instructors or those who own a stable or barn may be the obvious candidates for such a policy those who work indirectly can benefit from a policy as well. 

Professionals Working in and Around Horse Shows

Not everyone working at or in conjunction with a horse show or competition may come into contact with the horses during their line of work. However, incidents can still take place where liability may fall onto surprising participants. Those working as horse show officiants or judges, stewards, or even course design consultants can benefit from professional equine liability insurance. A course designer or consultant may unintentionally create a course that causes injury to a horse or rider, or a steward may give an improper command creating the same outcome. Even horse show officiants may be at risk if the results in judgment are considered unfair by a participant who decides to sue for loss of reputation for horse and rider. The good news is that solid equine liability insurance will cover court-related fees up to a certain number even if the lawsuit does not have merit. 

Therapists & Equine Assisted Services Provider

Equine therapists and assisted services providers who work with clients with special needs may want to make sure they have sufficient liability protection should their clients receive additional injury or suffer a worsening of their condition in relation to their therapeutic treatment. Involving horses in mental health treatment, while having innumerable benefits, does include additional risk and those providing these services should be prepared. 

Farriers & Blacksmiths

Farriers and blacksmiths may only work with a horse for a short time as they trim hooves and provide shoes, but their handiwork stays on the horse for six to eight weeks. Should a horse become injured in that time due to a mistake or accident in shoeing or trimming, a farrier should find themselves covered in case of liability. 

Working with horses even in a less common field or tangential capacity produces the possibility of fiscal liability and to avoid finding oneself in a sticky situation, it pays to have good equine liability insurance that can help you avoid a ruinous case. 

9 comments:

  1. I agree they do need insurance because you just never know what a horse will do

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  2. insurance is a must with any great horse

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  3. My daughter's friend has a lot of horses.

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  4. I can see where horses and insurance go together.

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  5. This is a great ideal and one I never thought of.

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  6. Horses are so unpredictable even the most gentle horse and hurt you. We have seen it happen time and time again.

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  7. Ashley Chassereau ParksJanuary 17, 2021 at 9:01 PM

    I agree that they definitely need insurance just in case. I don't have horses, but my daughter wants to start riding so I guess I will be learning more about horses and their care along with her.

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  8. I think horses and other valuable animals should be insured!

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