Horse Trainer or Riding Instructor? Here’s Why You Need to Insure Your Services

September 4, 2014 by Stephanie Port

As a horse trainer or riding instructor, you know how important it is that your horses are in good health. Even the tamest, most well-trained horses can be injured and all horses are subject to illness and medical problems. This is why it’s important to have horse surgical & major medical insurance on the horses you own or lease, and also encourage your customers to as well.

If one of your horses were to develop a serious health problem or become injured, veterinarian bills and surgical procedure costs can add up very quickly. Your horse surgical & major medical insurance will offset some of the cost associated with treating your horse. In addition to ensuring that your horse will get the care and treatment it deserves, having insurance will also provide you with the peace of mind knowing that you won’t have to pay all out of your own pocket when something unexpected occurs.

Insuring Your Business

In addition to horse health insurance, it is essential that horse trainers and riding instructors also carry business equine liability insurance. This type of insurance is designed specifically for your type of horse-related business activities, that include training, riding instruction and boarding, racing, horse shows and more as you require. And Professional Liability can usually be included too.

Equine liability insurance will protect you if someone were to sue you for bodily injury or property damage. Even if you have clients read and sign a release of liability, this doesn’t prevent you from being sued. Your liability coverage will cover legal costs and will pay claims up to the policy limits for which you and your business become legally liable.

Imagine if one of your clients were to become seriously injured wherein he/she alleges that his or her injuries were due to you being negligent in some way. If that person were to bring a legal claim or lawsuit against you, and you were without liability insurance, you would be responsible for paying all legal fees and any damages a judge or jury awards the claimant. These fees and judgments can easily total in the tens of thousands of dollars, which would be on you if you were uninsured. Just one lawsuit could end your professional career and could put your entire life in financial jeopardy.

It’s Not Worth The Risk

Many horse trainers and riding instructors feel that because they are very diligent and careful, that they do not need to have liability coverage. Unfortunately, many of these people do end up wishing later that they had a strong liability policy with a strong insurance company as accidents do happen and happen frequently. Horses are large animals that can be very unpredictable. Whether you are teaching people to ride or are training horses, you need to protect yourself with liability insurance in case something goes wrong. If someone does end up sustaining serious injuries or if your horses do damage to property owned by someone else, you need to have liability insurance designed to protect you and your business.

The equine insurance specialists at Ark Agency can answer questions you may have. We understand that horse insurance is confusing to many people. We also understand that everyone working with horses has their own unique needs. Therefore, we go out of our way to make sure we find insurance that is right for you, regardless if you’re a seasoned trainer or someone who has just begun a horse riding instruction service.

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