Horse Trainer and Riding Instructor Insurance

Horse professionals have a need for insurance protection beyond that of most animal trainers and handlers. Fully grown horses are large, powerful creatures and sometimes unpredictable. Some horses also have values well over one million dollars. Having horse trainers and riding instructors insurance is critical to protect your assets in case a horse experiences a health or performance issue.

Fortunately, an independent insurance agent can help you get set up with the right horse trainer insurance. They'll get you matched to the policy that's tailored to your unique needs. But first, here's an overview of horse trainer insurance and why it's necessary.

What Is Equestrian Insurance?

If you work with horses for business purposes, you'll need coverage to protect against possible financial losses related to liability and other incidents. In fact, you need a policy that extends beyond the coverage provided by standard farm insurance and business insurance. 

A special form of equestrian insurance, often referred to as horse trainer and riding instructor insurance, is available for trainers. Due to the high risk level involved in working with these animals, this type of coverage isn't available from every insurance carrier. That's why working together with an independent insurance agent can be so helpful.

What Does Horse Trainer and Riding Instructor Insurance Cover?

With litigation on the rise in the U.S., engaging in any business without any measure of protection is risky, and that risk is compounded in the equine industry. Here are some useful policies that horse trainers may consider:

• Liability insurance: Protects you against the high cost of lawsuits that may be attributed to your negligence. Typical limits range from $250,000 to $1 million per occurrence and $500,000 to $2 million annual aggregate.
• Care, custody, and control coverage: Protects you against the high cost of claims for the injury or death of horses in your care. Basic coverage includes $100,000 to $200,000 per occurrence and $200,000 to $400,000 annual aggregate.
• Boarding and breeding coverage: This protects against incidents that can arise while boarding or breeding horses and is based on the average number of horses boarded monthly and gross annual receipts.
• Clinics, pony rides, rental, and camps coverage: These options are also based on trainer and facility specifics.

Your independent insurance agent can help you assemble the right horse trainer and riding instructor insurance policy.

Why Do I Need Horse Trainer and Riding Instructor Insurance?

As a horse trainer or riding instructor, you not only work with horses but likely members of the public as well. This introduces a huge liability risk to your business because injuries or personal property damage to a third party can occur. If one of these incidents happens, you could be sued for it.

Without the proper protection, you could have to pay out-of-pocket for possible lawsuits and other damages. Here are just a couple of examples of when having horse trainer and riding instructor insurance would be critical:

• A horse stepped on a student's foot during a lesson, which caused a fracture and expensive medical bills.
• A customer's valuable personal property got damaged by a horse or the equipment used in training and needed to be replaced.
• A farmhand got injured by a fire while working at your horse barn and required immediate medical attention.

An independent insurance agent can further explain possible scenarios in which horse trainer and riding instructor insurance would be essential. 

Horse Trainer and Riding Instructor Insurance Offers Coverage When and Where You Need It

Any horse trainer who charges a fee for services should strongly consider horse trainer insurance protection. Trainers often find themselves moving around from stable to stable, where ownership, management, and staffing change. 

Because every barn is different, every horse you ride and train will have a different set of risks they bring to the arena. Students, too, have different risks due to a lack of knowledge and experience. Because you face all of these liability challenges, make sure you're well protected.

The most essential aspect of coverage is horse trainer liability insurance. A well-designed insurance policy will follow you anywhere and can protect you from a variety of risks.  So, no matter whether you're at a barn or a show, a track or an auction, you'll have the coverage you need to avoid the sometimes crippling cost of legal claims.

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Why Work Together with an Independent Insurance Agent?

Independent insurance agents know where to find the coverages that aren't sold everywhere, including equestrian insurance and horse trainers and riding instructors insurance. They'll shop and compare quotes from multiple carriers to find you the absolute best deal available. And down the road, they'll be there to help file claims for you and update your coverage as necessary.