Insuranks
Insuranks

Horse Riding Instructor Insurance: Cost & Quotes From $25/mo

Table of contents
1. General Liability Insurance for Horse Riding Instructors1.1. Coverage Limits of General Liability Insurance for Horse Riding Instructors1.2. Specific Situations Where General Liability Insurance Can Help1.3. Add-Ons to Professional Liability Insurance for Horse Riding Instructors 2. Professional Liability Insurance for Horse Riding Instructors 2.1. Coverage Limits of Professional Liability Insurance for Horse Riding Instructors 3. Carriage and Sleigh Liability Insurance for Horse Riding Instructors 3.1. Coverage Limits of Carriage and Sleigh Liability Insurance for Horse Riding Instructors 4. Commercial Property Insurance for Horse Riding Instructors5. Business Owner’s Policy for Horse Riding Instructors6. Tools and Equipment Insurance for Horse Riding Instructors7. Public Liability Insurance for Horse Riding Instructors8. Workers Compensation Insurance for Horse Riding Instructors9. Commercial Auto Insurance for Horse Riding Instructors9.1. Liability Coverage9.2. Collision Coverage9.3. Comprehensive Coverage9.4. Uninsured/Underinsured Motorist Coverage9.5. Medical Payments Coverage10. Riding Instructor Insurance Cost11. Best Horse Riding Instructor Insurance Companies11.1. NEXT Horse Riding Instructor Insurance 11.1.1. Pros11.1.2. Cons11.2. CoverWallet Horse Riding Instructor Insurance 11.2.1. Pros11.2.2. Cons11.3. The Hartford Horse Riding Instructor Insurance 11.3.1. Pros11.3.2. Cons11.4. Tivly Horse Riding Instructor Insurance 11.4.1. Pros11.4.2. Cons11.5. Thimble Horse Riding Instructor Insurance 11.5.1. Pros11.5.2. Cons11.6. Hiscox Horse Riding Instructor Insurance 11.6.1. Pros11.6.2. Cons

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.

General Liability Insurance for Horse Riding Instructors


CoverWallet NEXT (Best)Thimble HiscoxThe 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?YesNoIncludedExcludedNo
Hired/non-owned auto liability coverage included?YesNoExcludedExcludedCan be included
Equipment breakdown floater included?No YesYesExcludedCan be included
Can you get a certificate of insurance online?YesYesYesYesYes
Name additional insureds?YesYes
YesYesYes
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. 


Coverage Limits of General Liability Insurance for Horse Riding Instructors

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.


Specific Situations Where General Liability Insurance Can Help

  • 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


Add-Ons to Professional Liability Insurance for Horse Riding Instructors 

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


Professional Liability Insurance for Horse Riding Instructors 


CoverWallet NEXTThimble (Best)HiscoxThe 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?YesYesYesYesYes
Waiver of subrogation included?YesNoYesCan be includedNo
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.


Coverage Limits of Professional Liability Insurance for Horse Riding Instructors 

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


Carriage and Sleigh Liability Insurance for Horse Riding Instructors 

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. 

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 of Carriage and Sleigh Liability Insurance for Horse Riding Instructors 

Coverage limits for carriage and sleigh liability insurance for horse riding instructors typically range from $1 million to $2 million per occurrence.