Table of contents
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.
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.
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.
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Get all the best quotes from leading providers in a click of a button!
| CoverWallet | NEXT (Best) | Hiscox | Thimble | The Hartford | |
|---|---|---|---|---|---|
| Building coverage limit (minimum) | $50,000 | $25,000 | $25,000 | $25,000/$500,000 | $35,000 |
| Contents coverage limit (minimum) | $50,000 | $25,000 | $25,000 | $25,000/$500,000 | $35,000 |
| Outdoor signs | Excluded | $2,500 | Excluded | Excluded | Excluded |
| Accounts receivable | Excluded | Excluded | Included | $5,000/$10,000 | Excluded |
| Money and securities | Excluded | $2,500 | Included | $1,000 | Excluded |
| Lock and keys | Excluded | $2,500 | Excluded | Excluded | Excluded |
| Business interruption floater | Excluded | Included | Included | Included | Excluded |
| Equipment breakdown floater | Excluded | Included | Excluded | Excluded | Excluded |
| Inland marine insurance floater | Excluded | Excluded | Excluded | $10,000 | Excluded |
| Employee dishonesty floater | Excluded | $5,000 | Included | $2,500 | Excluded |
Commercial property insurance is a type of coverage that protects the physical assets of your business. It can cover losses caused by fires, natural disasters, theft, and vandalism. You can benefit from commercial property insurance because it can help to replace or repair damaged property.
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| CoverWallet | Thimble | NEXT (Best) | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| General liability aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000 | $300,000/$2,000,000 | $1,000,000/$2,000,000 |
| Commercial property coverage limit | $50,000 | $500,000 | $25,000 | $25,000 | $35,000 |
| Optional policies can be added? | Yes | Yes | Yes | Yes | Yes |
| Name additional insureds for free? | Yes | Yes | Yes | Yes | Yes |
A business owner’s policy is an insurance bundle that can be customized to fit the needs of horse riding instructors. It combines different types of insurance coverage into one package. A BOP will protect against property damage, liability claims, and loss of income.
You can benefit from a BOP because it offers comprehensive coverage that can be tailored to your specific business needs. A BOP can help you manage risks and protect businesses from financial losses.
| NEXT (Best) | Thimble | Hiscox | |
|---|---|---|---|
| Aggregate limit | $5,000/$10,000 | $2,500/$5,000 | $5,000/$25,000 |
| Covers hired and borrowed equipment? | $5,000/$10,000 | $2,500/$5,000 | No |
| Miscellaneous equipment also covered? | $5,000/$10,000 | No | No |
| Offered as an endorsement to general liability insurance? | Yes | Yes | Yes |
| Deductible | $500 | $500 | $0 |
Tools and equipment insurance for horse riding instructors is essential to protect against financial losses. It comes handful in the event of damage, theft, or loss of valuable tools, equipment, and machinery used in your business operations. This insurance policy covers the costs of repairing or replacing covered items.
Public liability insurance offers coverage for legal claims from third parties. The claims can be due to property damage or bodily injury. You can get this type of equine riding instructor insurance as an alternative to general liability insurance. Here are some of the perils covered by public liability insurance:
Property damage–If your business activities or negligence cause damage to someone else’s property, such as accidentally knocking over and breaking an expensive piece of equipment, Public liability insurance can provide coverage for the resulting legal claims
Bodily injury– If a third party is injured due to your business activities or negligence, such as a riding lesson gone wrong resulting in a fall, Public liability insurance can help cover the medical expenses, lost income, and other related costs
Accidental damage during transportation–If you are transporting horses or equipment and accidentally cause damage to a third party’s property, such as a car or a fence, Public liability insurance can help cover the resulting legal claims
Workers’ compensation insurance is a type of insurance that provides benefits to your employees who are injured or become ill while working. It covers medical expenses or lost wages. Note that you don’t get this if you work alone. On the other hand, if you have one assistant or more, getting workers comp is a must. Failure to comply will result in stiff fines and penalties.Â
Commercial auto insurance for horse riding instructors is an essential insurance coverage that protects vehicles used during business operations, such as transporting horses, equipment, or clients. Here are some critical components of this insurance coverage:
Protects against legal liability for bodily injury or property damage to third parties caused by the insured vehicle. Covers the cost of legal defense and any damages awarded in a lawsuit and is required by law in most states.
Pays for damages to the insured vehicle resulting from a collision with another vehicle or object. Coverage limits can vary, and deductibles may apply.
Pays for damages to the insured vehicle resulting from non-collision events such as theft, vandalism, or natural disasters.
Protects against damages caused by another driver who does not have insurance or has insufficient coverage.
Pays for medical expenses for the driver and passengers of the insured vehicle, regardless of who is at fault for an accident.
| Cost per Month | Cost per Year | Deductible | |
|---|---|---|---|
| General liability insurance | $45 | $540 | $0-$500 |
| Professional liability insurance | $63 | $756 | $500-$1,000 |
| Commercial property insurance | $80 | $960 | $1,000-$2,500 |
| Business owner’s policy | $115 | $1,380 | $500-$1,000 |
| Commercial auto insurance | $60 | $720 | $1,000-$1,500 |
| Workers compensation insurance | $100 | $1,200 | $2,000-$5,000 |
| Tools and equipment insurance | $83 | $996 | $500-$1,000 |
| Carrier and sleigh insurance | $50 | $600 | $500-$1,000 |
The average horse riding instructor insurance cost is $45 per month or $540 per year for a $1 million general liability coverage. Factors that affect premiums are claims history, business history, revenue, deductibles, and policy limits. The table below gives a further idea of how much insurance for giving horseback riding lessons cost by showing the rates of companies we recommend:
| Cost per Month | Cost per Year | Best for | |
|---|---|---|---|
| NEXT | $18 | $216 | Best overall; Fastest general liability insurance for horse riding instructors |
| CoverWallet | $33 | $396 | Comparing horse riding instructor insurance quotes online |
| The Hartford | $35 | $420 | Established equestrian businesses looking for comprehensive and personalized insurance for teaching horse riding coverage |
| Tivly | $42 | $504 | Comparing horse riding instructor insurance quotes over the phone |
| Thimble | $40 | $480 | Small equestrian businesses or independent riding instructors seeking flexible and affordable freelance riding instructor insurance coverage |
| Hiscox | $83 | $996 | Established equestrian businesses looking for customized and comprehensive equine riding instructor insurance coverage |
Get all the best quotes from leading providers in a click of a button!
If you are looking for professional and freelance horse riding instructor insurance, you must identify an insurer offering the best services. Here are some of the companies to consider. Read some of the reviews to know their pros, cons, and average rate for a $1 million general liability insurance.Â
Best overall
Get an online proof of insurance and send as a text message, email, or social media post
Fastest general liability insurance for horse riding instructors
Great customer service and reputation
Issues an online proof of insurance instantly
Outstanding value for money
Bundle two or more insurance policies and get a 10% discount
Couldn’t find any
NEXT is an insurance provider for small businesses, offering comprehensive coverage for horse riding instructors. They operate online, and you can quickly get online quotes. Their customer service is outstanding, offering customers convenience.
Best for: Best overall; Fastest general liability insurance for horse riding instructorsÂ
Average cost: $18 per monthÂ
Our rating: 10/10
User-friendly platform
Competitive pricing
Wide range of insurance options
Not an insurance company but an insurance brokerÂ
CoverWallet is an online insurance platform that provides customized insurance solutions for small businesses, including horse riding instructors. They work with multiple insurance companies. Thus you can get quotes from a variety of insurers.
Best for: Comparing horse riding instructor insurance quotes onlineÂ
Average cost: $33 per month
Our rating: 10/10
One of the best underwriters for workers comp insurance
Covers high risks businesses
Can create specialized business insurance solutionsÂ
BBB does not accredit it
The Hartford is a well-known insurance provider that offers a range of insurance products, including coverage for horse riding instructors. They offer world-class products for customers, such as personal and commercial coverages.
Best for: Established equestrian businesses looking for comprehensive and personalized insurance for teaching horse riding coverage
Average cost: $35 per monthÂ
Our rating: 10/10
Quick and easy online platform
Competitive Pricing
Comprehensive policies
Does not have a mobile app
Tivly is an online insurance provider that offers insurance coverage for various businesses, including horse riding instructors. They offer commercial insurance coverage to their clients and match various insurers to clients. Call a representative now to compare quotes over the phone.Â
Best for: Comparing horse riding instructor insurance quotes over the phone Â
Average cost: $42 per monthÂ
Our rating: 9/10
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Flexible coverage options
Affordable pricing
User-friendly mobile app
Limited coverage options
Thimble is a tech-driven insurance provider that offers flexible and on-demand insurance coverage, including coverage for horse riding instructors. They also offer insurance tools and resources for businesses.
Best for: Small equestrian businesses or independent riding instructors seeking flexible and affordable freelance riding instructor insurance coverage
Average cost: $40 per monthÂ
Our rating: 9/10
Comprehensive coverage options
Personalized support
Competitive Pricing
Only suitable for small businesses
Hiscox is a well-known insurance provider offering specialized insurance coverage for various businesses. They sell many insurance coverages, such as general liability insurance. Clients can easily purchase their policies from the company’s websites.
Best for: Established equestrian businesses looking for customized and comprehensive equine riding instructor insurance coverage
Average cost: $83 per monthÂ
Our rating: 9/10Â
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
9.4 / 10
Fastest ever online insurance quote and purchase! Also, great rates and professional customer reps that helps with whatever you need, if you need. Nice company!
2.8 / 10
Embroker sells a product that it doesn't honor. We purchased a combination D&O and EPLI policy. However, when it came to renewal, it told us that we only had D&O coverage even through our ACCORD certificate clearly mentions we have both. Basically they refused to honor the EPLI coverage and will leave you hanging with the bag. At time of renewal, they more than doubled our quote to get similar coverage. Basically BAIT & SWITCH. Unacceptable tactics. Easy to buy and pay but you may not be... Read More
2.8 / 10
Great platform. Terrible policy. There is no teeth behind it. No coverage. It's a fake policy that they sell. Sold us an EPLI policy that later we came to find out had no EPLI coverage. Amazing that they can get away with outright fraud. Check the positive reviews. They are all 'Anonymous' posted by Emroker staff. Stay away and find a real policy that will actually provide you coverage. We've been bitten by them and hope to find restitution via a lawsuit.
Paul Burns Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
It has been 70 days since I made a claim on the roof of my building. No one from the company will return calls. We are in hurricane season and located in Louisiana. My building is tarped to secure it.
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
They are the worst, my truck was hit in January 23 and the claim adjuster has not been out to this very day! They have every excuse in the book as to why. They have not been to the collision shop. PLEASE AVOID THESE SCAM ARTIST!
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Avoid these SCAM ARTISTS! They don’t pay claims!!! Save yourself the trouble and money!
Kasey Arey Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
This company gives you a price that was in place for a year and when you have to use it there is fine print were they can go back and charge you more. Would not recommend them to any one. Crooks
John Murphy Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Worst insurance comapny I have ever dealt with. A commercial vehicle represented by GUARD t boned my wife and daughters family vehicle in the middle of the day. Driver was cited and insurance claim insued. Fast forward 4 months and refusal of full amount of claim is still happening. Driver was found guilty, repairs started on my vehicle and when it comes to the final bill and diminished value we cannot get any help. I am out a family car, have an injured and traumatized wife and children,... Read More
Harshadray Patel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Extremely bad service, when you call , will make you wait on the phone for ever (over an Hour) and still no one to answer , so you end up hanging up. To cancel the policy, bounce you from one department to the other. They are supposed to refund from the date other insurance started and after sending the proof of other insurance policy, still they did not refund based on that actual date instead they use the date i managed to get hold of them. They charged me $7000.00 for a year's insurance on... Read More
Aaron Wensel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Guard Insurance is terrible. They were so bad I cancelled them because them couldn't figure out why I would never get a paper copy of the bill . Verified my address with them and still intermittent billing. I cancelled them in March through my local broker. Today 6/27 I get a letter in the mail from a collections company saying I owe 87.97. This was the first myself or my broker heard of owing this money. Here is some advice for this failure of a company send me a god damn bill and I will pay.... Read More
Michael Swink Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
My employer had to have workers compensation by law. He obtained a policy through this Berkshire Hathaway GUARD and they failed me. I fell from a ladder and fractured my spine in 7 different places, my clavicle in 4 places, and the base of my skull. Going to my Dr visits I was prescribed medication for pain and the insurance company placed a pre-authorization hold on me picking up the medication from Walgreens. The hold lasted 5 days! My weekly benefits have never been on time, right now... Read More
10 / 10
Liberty Mutual is one of the more simple companies to deal with. I had to file a claim for my business owner policy after I caught one of my employees stealing a large amount of products from my business. Liberty mutual paid the claim fast and with no efforts. I wish the legal process was as easy…
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
9.4 / 10
Very pleased with Hiscox - their small business insurance rates are very good and they specialize in small business which gives me a peace of mind as a small business owner. So far so good!
10 / 10
Their customer service is absolutely fantastic. Very patient, knowledgable and provided excellent explanation of the purchased policy. I would highly recommend this insurance company to anyone that's looking to protect their business from unexpected expense. Thank you Hiscox for doing a great job for my business!
0.6 / 10
STAY AWAY! I wouldn't recommend hiscox small business liability insurance to anyone. Better not waste both your money and your time. Hiscox customer service is extremely unpleasant, not organized and not professional. It is the worst company we have dealt with in almost 25 years in business!
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Extremely fast and simple. Wasted a lot of time and money until I found these guys! I feel like my business is in good hands now.
10 / 10
Hiscox's the best! My business is insured with them for over 12 years and am not planning to switch!
10 / 10
Excellent experience with Hiscox BOP for my coffee shop. They provided all it needed.
10 / 10
My HI barbershop is well covered with their great BOP product for 5 years already! not planning to switch!
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
10 / 10
Great experience
6 / 10
Didn't relate to the concept much, but it makes sense if you need insurance to go
0 / 10
It doesn't really feel sustainable to me and doesn't offer business interruption, product liability and commercial property insurance. They have no local agents and despite their technology first approach you cannot file claims online. Additionally, product manufacturers are not covered by Thimble and they don't provide enterprise solutions.
10 / 10
As a contractor that works 3 times a week for a few hours, Thimble gets really handy for me and saves me money. I have no use for these massive business insurance coverages offered by traditional insurance companies.
10 / 10
Excellent concept which is useful to many small businesses!
10 / 10
Been waiting for this type of solution for a long time!
10 / 10
Love their business insurance solutions for freelancers! Great app!
Not all those who wander are lost.
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