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Horse Photo Prop Insurance

Picture Yourself Protected From Liability Risk

You may think about getting into the business of offering horses as props for movies or photo and video shoots. It seems like a fairly low risk venture with some extra cash, right?

Wrong. Often the people being photographed or recorded with the animals have little to no experience with horses. And because you're working on a contract basis often at different locations, there are new risks at every location. Especially on movie sets where there are stunts being performed, firearms or special effects on the set and other animals. Insurance companies consider this moderately high to high risk.

What you'll discover in this report:

  • Why a photographer needs Horse Photo Prop coverage
  • Common claims that people make involving horses as props
  • How you can plan ahead
  • The coverage offered by a Commercial General Liability Policy
  • Other types of insurance you should consider

If I'm Just A Photographer, Do I Need This Coverage?

If you're charging a fee as a photographer to not only take the photo but have a set ready with costumes and a horse, or even a pony, for the photo shoot, yes, you should have this coverage.

This type of photo service is offered at fairs or rodeos, resorts or even corporate events or special parties.

You may also run an animal handling business for the entertainment or marketing industry.

Basically, anyone who handles an animal during some sort of photo, video or movie shoot needs this coverage.

What Are The Most Common Claim Incidents?

  • While handling a horse a professional model or actor is hurt. Since they're hurt they can't continue modeling or acting while they recover from their injury.
  • A customer jumps off the photo prop horse because he's frightened and he gets injured.
  • The photo prop horse bites, nudges or kicks a child or adult that approaches the horse without supervision.
  • The photo prop horse causes property damage when it gets loose.

Accidents happen. As you build your business, you want to protect your reputation and your assets. Give our brokers at Henry Equestrian Insurance Brokers Ltd a call. Or click on Get a Free Quote and we'll provide you with an insurance package that will protect you, your reputation and your business.

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. 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.

Are There Other Coverages I Should Consider?

  • Property Coverage Endorsement: We can add this endorsement to your General Liability Policy if you're a stable property renter to insure your tack, equipment and machinery for loss or damage.