Horses are incredible animals and most people cherish them for their intelligence and beauty. If you have an undying passion for horses, you are probably considering kicking off a career as a horse riding instructor aside from being a horse trainer. But before penetrating this career, ensure you protect yourself and your business with horse riding instructor insurance.
| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 | $1,000,000/$2,000,000 |
| Aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 | $1,000,000/$2,000,000 |
| Products and completed operations aggregate limit | $2,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Advertising injury coverage aggregate limit | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Tenant’s legal liability coverage limit | $1000,000 | $100,000 | $5,000 | $100,000 | $1,000,000 |
| Waiver of subrogation included? | Yes | No | Included | Excluded | No |
| Hired/non-owned auto liability coverage included? | Yes | No | Excluded | Excluded | Can be included |
| Equipment breakdown floater included? | No | Yes | Yes | Excluded | Can be included |
| Can you get a certificate of insurance online? | Yes | Yes | Yes | Yes | Yes |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes |
| Deductible | $0 | $0 | $0 | $0 | $0 |
Horse riding is an adventurous game. But it is not immune to risks such as your students getting hurt or having their property damaged. .Every instructor should have general liability insurance. This horseback riding instructor insurance further grants protection against claims for reputational harm.Â
Typically, coverage limits of this riding instructor liability insurance range from $1 million to $2 million per occurrence with an aggregate limit of $2 million to $4 million per policy term.
If a student is injured during a riding lesson or training session, the policy can cover medical expenses, lost wages, and other related costs
If a student's property is damaged during a lesson, such as their laptop or riding equipment, the policy can cover the cost of repairs or replacement
If a student accuses an instructor of slander, libel, or other personal injury claims, the policy can cover legal expenses and damages
The policy can cover medical expenses and other related costs if someone is injured on the instructor's premises, such as a slip and fall accident
Some horse lesson insurance providers may offer additional coverage options or add-ons for, general liability insurance for horse riding instructors including:
Care, custody, and control coverage–This add-on covers damage or injury to horses under the instructor's care, custody, or control
Professional liability coverage–This add-on covers claims related to professional errors or omissions during instruction or training
| CoverWallet | NEXT | Thimble (Best) | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $1,000,000 | $1,000,000 |
| Aggregate limit | $2,000,000 | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000 | $2,000,000 |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes |
| Waiver of subrogation included? | Yes | No | Yes | Can be included | No |
| Deductible | $500 | $500 | $500 | $50/$10,000 | $500 |
Professional liability insurance helps safeguard you from claims that are related to your expertise as a riding instructor. It covers claims due to errors, omissions, negligence, or breach of duty.
Get this insurance for giving horseback riding lessons because it helps protect your reputation and financial well-being. For instance, if a student is injured due to your failure to offer adequate instruction, they can sue you for negligence. Professional liability insurance will help cover damages and legal expenses in such a case.
The coverage limits for professional liability insurance for horse riding instructors can vary depending on the policy and the insurance provider. The coverage limit is $1 million-$2 million per occurrence and aggregate. In addition to the basic coverage, some insurers offer add-ons to professional liability insurance for teaching horse riding such as abuse and molestation coverage
If you offer horse-drawn transport services to the public, you must protect your business from various liabilities. With this business, you are primarily concerned about bodily injury. This can occur if you experience a collision or overturn.Â
This horse riding lessons insurance will protect you from financial consequences due to accidents on your horse vehicles. Some of the most common claim incidents for horse carriage and sleigh ride operators include:
Collisions–Your horse carriage can collide with other vehicles or objects, leading to damage. This riding lesson insurance coverage will help to settle the claim
Passenger injuries–Your customers can suffer injuries while in your horse-drawn vehicle. The injuries can include cuts or bruises. At other times the passengers may complain of lost items in the horse vehicle. This carriage and sleigh insurance for horse riding lessons will settle all related claims
Property damage–The carriage may damage other people's properties, such as buildings and fences. This insurance will cover all the repair or replacement costs
Bystanders accident–In some instances, your horse may kick or step on the bystanders. These people can sue and demand you pay their medical costs or lost income. With insurance coverage, you don't have to worry about financial losses
Coverage limits for carriage and sleigh liability insurance for horse riding instructors typically range from $1 million to $2 million per occurrence.Â
