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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| 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.
| 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.
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 |
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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.
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 instructors
Average cost: $18 per month
Our rating: 10/10
User-friendly platform
Competitive pricing
Wide range of insurance options
Not an insurance company but an insurance broker
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 online
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 solutions
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 month
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.
Best for: Comparing horse riding instructor insurance quotes over the phone
Average cost: $42 per month
Our rating: 9/10
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 month
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 month
Our rating: 9/10
1 / 5
Use anyone except Employers. Period. They are non-transparent and shameful. After I complained long enough to warrant a call from a supervisor, the supervisor called back from a PRIVATE NUMBER (no caller ID), left a message that they are not reversing their decision (without any communication with me), and failed to leave a phone number for me to call back. She was hiding! They also fact find via email and phone calls, which is terrific for speed and communication. However, after setting a precedence of email or phone calls, they send time sensitive information via email, without any heads up... they are hoping you miss it and forfeit via expiration. Evil policies. Go elsewhere.
1 / 5
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
1 / 5
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
5 / 5
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
5 / 5
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!
Not all those who wander are lost.
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