Ark International Group understands the unique blend of compassion, expertise, and risk in equine-assisted services. Whether you offer therapy, emotional development, or growth sessions, close human-horse interaction makes having proper horse insurance vital. Standard homeowners’ or farm owners’ policies rarely address the complex liabilities associated with these services, so tailored coverage is essential.

The Importance of Equine-Assisted Services

Equine-assisted services use the human-horse connection to encourage healing. Sessions often involve licensed professionals, such as physical therapists and psychologists. From hippotherapy to therapeutic riding, this approach has improved lives since the 1970s by building motor skills, confidence, and emotional awareness.

As effective as these sessions are, they carry risks. The unpredictable nature of horses and varying participant abilities make horse insurance critical to running a safe, responsible program.

Understanding Liability Exposure

Running equine-assisted services means managing two key types of exposure:

• General Liability: Covers bodily injury or property damage that may occur during sessions.
  
• Professional Liability: Protects against claims stemming from the therapeutic or educational aspects of your service.

Professional Liability protects you from claims related to the therapy or education you provide.

Why Horse Insurance Matters

Horse insurance is more than a safety net—it’s your financial shield. Accidents can happen despite safety protocols and may result in medical bills, legal costs, or settlements. A specialized policy for equine activities provides protection from unexpected costs.

Key Coverage Options:

• General Liability: Covers medical expenses, defense costs, and property damage claims.
  
• Professional Liability: Protects against claims arising from the therapeutic or instructional aspects of equine assisted services.
  
• Risk Management Support: Provides guidance on maintaining a safe environment for both clients and horses.

Building a Solid Insurance Strategy

Equine-assisted services carry a moderate to high risk due to interactions between horses and humans. Developing an effective insurance strategy should include:

• Reviewing your current liability limits
  
• Adding horse insurance to protect against animal-related incidents
  
• Implementing safety and risk management procedures
  
• Regularly reassessing your policy as your business evolves

Secure Your Peace of Mind

Accidents are unpredictable, but your protection should not be. Ark International Group supports your equine-assisted services with insurance tailored to your needs. Contact us to discuss your best coverage and safeguard your business, horses, and clients.