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Outfit your guides and outfitters with the proper insurance

Whether you provide guide and outfitter services for a few hours for a scenic tour or for overnight trips from one point or another in Ontario, you want to make sure that all your guests, your guides, your horses and your assets are protected.

Guide & Outfitter Services may include:

  • Riding animals
  • Pack animals and tack
  • Camping and/or other recreation gear and equipment
  • Food for guests
  • Operators and guides

What you’ll discover in this report:

  • The risk level of running a guide and outfitter operation
  • Common claims that people make involving guides and outfitters
  • How you can plan ahead
  • The coverage offered by a Commercial General Liability Policy
  • Other types of insurance you should consider

What’s the risk level of running guide & outfitter operations?

When you have guests in the wilderness around animals for long periods of time, sometimes overnight, there’s a high risk level. You can’t always supervise all the guests, some of whom may have little or no experience with horses. Accidents can happen after all. And you’re often in remote areas where it’s more difficult to treat injuries.

What are the most common claim incidents?

  • An injury occurs while a guest rides a horse or mule. This can happen because they fall off or jump off and sometimes bad weather contributes to the incident.
  • When being passed by a pack train, a bystander gets hurt.
  • Property is damaged when animals get loose.
  • During transport, non-owned supplies are lost or damaged.

How can I plan ahead?

We know that you care about the horses and the people that use your service. There are steps to take to make sure that an accident never happens in the first place.

1. Enforce barn rules.
Look around and develop rules for your environment for both horses and people. Also write procedures. Then train every staff member to make sure they understand your rules and procedures.

2. Plan for emergencies.
Emergencies happen, but the better prepared you are, the better chance you have of providing the proper care to all the horses. If you’re prepared you can minimize the severity of any accident.

3. Develop semi-annual inspections of your property.
By inspecting your premises for potential hazards, you can take care of them before an incident occurs.

4. Prepare a written waiver and review Ontario’s Occupiers’ Liability Act.
Anyone who participates in any horse activities on your premises needs to complete and sign the waiver. Make sure that you keep the signed forms on file and safely stored. The Occupiers’ Liability Act states that the stable owner/operator owes a duty of care to the people who enter their premises. This assures that any property they bring on your premises with them is also reasonably safe. You are free to restrict, modify or exclude this duty of care through your written waiver.

5. Follow Ontario’s Horse Riding Safety Act.
This legislation states that it’s mandatory that anyone under the age of 18 years of age must wear a helmet that meets ASTM, BSI or European Safety Standards and hard-soled footwear with a heel of no less than 1.5 cm.

6. Purchase an Equine Liability Insurance Policy.
Protect you and your business with an insurance company that knows horses and your business. You want to make sure that any legal feels are covered, claim costs and settlements to ensure that in the case of an accident, your business doesn’t suffer a financial loss.

What’s included in the Commercial General Liability Policy?

The policy gives you maximum limits or amounts of liability insurance for:

  • Medical expenses:  You can be sure a claimant’s low cost medical expenses are covered without a lot of questions about liability or responsibility. 
  • Legal defense costs: You can save your business the financial burden of court costs if you’re sued, whether the case has merit or not.
  • Claims or settlement costs: Without this policy you could be held responsible for bodily injury and property damage claims. 

At Henry Equestrian Insurance Brokers Ltd., we want to make sure that you’re packed with the right insurance so that your business is protected. Call us today or click on Get a Free Quote to get the right insurance at the right price.