Equine Trainer/Instructor liability insurance follows and protects the trainer

A career as a horse trainer or riding instructor can be ideal for anyone who loves horses and enjoys teaching others about them. However, both horses and people can be unpredictable. Even with the best of management practices, situations can occur that result in a claim or a lawsuit.

Earning a living or even making a little money working with horses necessitates protecting your financial interests in the event of an accident or untoward incident.  A fall by a rider or an injury to a horse while under your care could lead to a lawsuit.  

Carrying adequate liability insurance coverage pays both your legal fees and the judgement if one is made against you, which reduces your risk of a significant financial loss and gives you peace of mind. A good policy is designed to protect horse professionals from alleged negligence, error, or omission from third party claims arising from the equine professional’s insured activities. 

Even with waivers and state laws designed to limit or control liabilities, in the event of an accident trainers and instructors are still vulnerable to a lawsuit if a horse or person gets hurt or somehow physical property is damaged.

Trainers/instructors often find themselves moving around from farm to farm or barn to barn. Each location having a different ownership, management, and staff results in a different set of risks and attitudes toward an accident or even what constitutes an accident. The beauty of a good professional liability policy is the fact that it goes with the insured wherever the insured is training or instructing.

Another area of exposure is if a bystander or interested spectator is watching the trainer train or the instructor teach and somehow gets hurt by the horse involved.  For instance, the rider could fall off, the horse gets loose and runs over the individual watching.

As a professional, you are considered an expert and to have every situation safely under control.  In the event of an accident, and there is an injury to a rider, horse, or bystander, it could possibly lead to a claim or a lawsuit, even if you are not responsible.