Blog

Most pet owners will agree that their pets are more than friends, companions, or confidantes. Pets are (four-legged) members of the family.

In equine sports and coaching, it’s critical to ensure the safety of both participants and professionals. Waivers are an important step that coaches and trainers must take to safeguard against unforeseen events and potential liability. Waivers are documents that serve as a contractual agreement between the coach and their clients, outlining the terms and conditions of participation in horse-related activities. Every equestrian coach should have a waiver in their legal name. The waiver not only protects the coach but also sets clear expectations for participants regarding inherent risks. Here are some things to remember when developing your waivers: Consult a lawyer. Crafting an effective waiver requires legal expertise. Coaches should seek legal counsel when developing their waiver document. Although there are numerous examples available online, they may not provide adequate protection in the event of a loss. An attorney with knowledge of equine-related laws can help ensure that the waiver is comprehensive and legally sound. Get signatures. A waiver must be signed by all participants. If the participant is a minor, a parent or legal guardian can sign on their behalf. As soon as a participant reaches the age of majority, however, they must sign their own waiver. This ensures that all parties involved acknowledge and accept their responsibilities and risks. Ensure participant understanding. When you provide participants with the waiver, it’s crucial to ensure they understand what they’re signing. Coaches must take the time to ensure that all participants thoroughly understand the risks associated with horse riding. This may involve a comprehensive explanation of potential dangers and safety measures and allowing participants an opportunity to ask questions or seek clarification. Keep a copy. Coaches must keep a copy of the signed waivers. These documents are vital in the event of a claim, as they serve as proof of participants' consent to the terms and conditions outlined in the waiver. In the event of a claim, you will be asked to provide a waiver to your insurer. While it can’t prevent a lawsuit, waivers can also be a powerful tool in helping your legal team mount a robust defense if one does take place. The existence of a signed waiver demonstrates that participants were aware of the risks involved, which helps reduce potential liability. In equine coaching and sports, waivers are more than just best practice. They’re a necessity. By having a legally sound waiver, coaches and riding instructors can create a safer environment for their clients while protecting their businesses. Our experts at Henry Equestrian know the equine industry and are here to help you reduce risk and protect what matters most. Call us at 1.800.565.4321, or request your insurance quote online today.

Each type of insurance is different, and every insurance company has its own internal rules and practices. Even your past claims and circumstances affect different rules and practices; just because something went one way for your neighbours, doesn’t mean it will be the same for you. If you have any concerns or questions about filing a claim, please contact us. At Henry Equestrian, Powered by NFP, we have four decades of experience in the horse insurance business and are dedicated to serving the equestrian community with all its insurance needs. We’ll make sure you understand your insurance policy and advise you to make the best decision for you. Click here if you need to make a claim. Should I File This Claim? At Henry Equestrian, we believe an educated consumer is a more empowered consumer. We encourage you to speak with your broker to learn more about how your policy works and how filing an insurance claim can affect your policy. Every claim is different and there’s no blanket answer to whether you should claim in every situation. You must reach out to your broker if: If you are served with legal documents or a demand for settlement (this could be due to bodily injury or property damage suffered by a third party – perhaps your horse kicked someone) If your horse is going for emergency surgery If your horse will need to be put down It is up to you if you decide to open a claim for medical or surgical expenses for your horse, but you must always advise your broker of any ailments, injuries, illnesses or medical conditions. A Reminder About Deductibles For example: If your deductible is $1,000 and you suffer $800 in damages, your insurance company isn’t going to pay anything because the amount of damage is less than your deductible. But here’s where it gets a little tricky. What if the loss is just a little bit more than your deductible amount? What if your deductible is $1,000 and the damage is $1,200? In this case, your damages are only $200 more than your deductible. Therefore, you’ll receive only $200 from the company. Every situation is different and this is where we’d recommend speaking with your Henry Equestrian insurance broker for guidance. What To Consider Think about the following factors when considering whether to file a claim: Size of your claim: You generally don't want to submit a small claim, especially if the losses come close to your deductible. Your deductible: Is it less costly for you to pay the additional out-of-pocket expenses and keep the claim off your policy? Injury: If anyone suffered an injury, it’s always a good idea to talk to an insurance professional and make sure you’re protected. No matter how minor the injury, the injured company may come back and sue you in the future. Make sure it’s reported so you won’t be denied coverage down the road. Your insurance company: Every insurer is different. Some will insure very few high-risk clients. Others will – but for a premium. Need To File a Claim? If you need to file an insurance claim now, please visit our main claims page. Talk to Us Today At Henry Equestrian, Powered by NFP, we understand horses and we want to make sure you’re covered. Whether you have questions about filing a claim or want to learn more about our offerings, contact us to or click below for a free, no-obligation quote.

If you supply professional services and deal with horses, you need to insure yourself to protect your business. Many insurance companies will readily insure experienced equine professionals because of the professional liability exposure. What you’ll discover in this report: Which professionals should consider equine professional liability Coverage provided by equine professional liability Benefits of adding professional liability insurance to your general liability insurance Who Should Consider Equine Professional Liability Insurance? The following equestrian professionals should consider equine professional liability: Riding instructors: A student can claim an injury they or their horse suffered was caused by something you taught them. Your techniques could also come into question. Lawsuits are also possible if an injury occurs to a special needs client because of poor judgment or application of therapeutic practices by the therapist. Farrier/blacksmith: If a horse is improperly shoed or trimmed, it could ruin their chances at a horse in competition. Its owners may hold you responsible for those losses. Veterinarians Therapeutic services providers for horses What Does Equine Professional Liability Insurance Cover? As with all policies, there are specified maximum amounts of liability insurance for claims and maximum limits for legal defense costs and settlement or claim costs. Your legal defenses will be covered even if your case has no merit if you’re sued in relation to your insured service regarding bodily injury, property damage, personal injury, prize money losses or loss of value of a horse you’re responsible for. As a professional, you want to insure yourself so you’re protected against any claims during what a client considers is unsound judgment. Why Should I Add Professional Liability Insurance to My General Liability Insurance? Professional liability insurance can either be a standalone policy or added to an existing commercial general liability policy, depending on the level of coverage required. Professional liability doesn’t provide premises and operations coverage that’s available in a general liability policy. But the general liability policy does insure you if there is any bodily injury or property damage if you’re held responsible for negligence during your business activities. Get Equine Professional Liability Insurance Today At Henry Equestrian, Powered by NFP, we understand horses and we want to make sure you and your business is protected. Contact us today to learn more or click below for a free, no-obligation quote.

Many people watch horses from afar, with their first experience often being a guided trail ride. If you own horses and rent them out for guided trail rides in Canada, you’re making yourself liable for risk of bodily injury, property damage and even lawsuits. What you’ll discover in this report: The risk level of running rental and guided trail ride services Common claims against guided trail rides and horse rentals How to plan ahead Coverage offered by a commercial general liability policy Government/insurance standards Other types of insurance to consider The Risk Level of Horse Rental and Guided Trail Ride Services The risk level of rental and guided trail ride services is high. You have customers of all ages and riding experience riding in natural areas. Horses can sometimes act unpredictably, and so can humans if they’re scared or inexperienced. It’s difficult for people with little-to-no experience to control a horse in these situations. There are some ways to reduce your risk, including making sure the horses never move at more than a slow trot. Also, use horses that have had lots of experience with people. Top Claims Involving Horse Rental and Guided Trail Ride Services The most common claim incidents involving horse rental and guided trail ride services include: The rider gets hurt and jumps or falls off the horse when the rider and/or horse is becomes frightened. A medical crisis occurs because injured guests require more than what your resident medical staff can provide. A horse slips or is spooked during a sudden rain or thunderstorm, causing a rider injury An insect or a swarm of insects bites or stings the rider or horse How To Plan Ahead We know you care about the horses and the people you lead. Below are steps you can take to protect yourself against potential accidents. Enforce barn and trail rules Develop rules for your environment for both horses and people. Train staff members so they understand rules and procedures. Document procedures. Plan for emergencies Emergencies happen. But the more prepared you are, the better chance you have of providing proper care to your horses. Preparation can minimize the severity of any accident. Develop inspections of your property, including all trails By inspecting your premises for potential hazards, you can take care of them before an incident occurs. Prepare a written waiver and review your province’s Occupiers’ Liability Act Your province's Occupiers’ Liability Act could state that the stable owner/operator owes a duty of care to the people who enter their premises, which assures that any property they bring on your premises is also reasonably safe. Anyone who participates in horse activities on your premises needs to complete and sign your province’s waiver, if applicable. Make sure to keep signed forms on file and safely stored. You are free to restrict, modify or exclude this duty of care through your written waiver. Follow Provincial Safety Regulations Check your provincial safety regulations regarding helmet use for minors and if helmets need to meet certain criteria, such as ASTM, BSI or European Safety Standards. Footwear is also often regulated (i.e. hard-soled footwear with a heel of no less than 1.5 centimeters). Purchase an equine liability insurance policy Protect you and your business with equestrian liability insurance from an insurance company that knows horses and your business. You want to make sure that any legal fees 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: Lawsuits for bodily injury or property damage caused by conducting your business operations. Legal defense costs: You can save your business the financial burden of court costs if you’re sued, whether or not the case has merit. Claims or settlement costs: Without this policy, the business could be held responsible for bodily injury and property claims. damage Equine Facility Operations Standards Depending on the commercial venture you’re starting, if it involves horses, there are minimum safety standards for activities, including coaching, trail rides, equine-assisted learning and pony rides. You also need to be aware of your province’s safety regulations. Check your provincial safety regulations regarding helmet use for minors and if helmets need to meet certain criteria, such as ASTM, BSI or European Safety Standards. Footwear is also often regulated (i.e. hard-soled footwear with a heel of no less than 1.5 centimeters). Other Coverages To Consider In addition to horse rental and guided trail riding insurance, you should also consider property coverage. 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. Get Horse Rental and Guided Trail Ride Insurance Today At Henry Equestrian, Powered by NFP, we understand horses and we want to make sure your business isn’t taken for a ride. Contact us today to learn more or click below for a free, no-obligation quote.

Everyone likes to save money, especially on insurance. Sometimes farm property includes multiple buildings and a business with multiple commercial ventures. Rather than requiring Canadians to purchase a number of packages from multiple insurers, Henry Equestrian can customize a package insurance policy for your horse business, farm, ranch or hobby farm. This will often give you more protection with additional enhancements under one policy. We can guide you through the process of selecting the best coverages, deductible and limits that work for you and protect from liability and multi-perils. You should consider this package if you: Have a horse farm or ranch Own a rural estate Have a hobby farm Run a horse business Are an equestrian homeowner Run an agri-tourism farm Are involved in ranch tourism What you’ll discover in this report: The different categories of insurance covered in a package What’s included in a commercial general liability policy What to do if you have other hard-to-insure liabilities What Different Categories of Insurance Are in a Package? There are three categories of insurance in a package, as well as subtypes under those categories. Property Loss and Damage Insurance for Dwellings and Contents, and Other Buildings Depending on the type, value and condition of the buildings, there are differing levels of dwelling coverage: basic, broad and comprehensive and two levels of outbuilding coverage: Named Perils and All Risk. Loss of or damage to the following types of buildings can be covered under this portion of the policy: Dwelling and household contents (loss of use included) Scheduled personal property (includes valuables and collections) Rented dwellings Garages Stables and barns (if specifically insured on the policy) Indoor arena (if specifically insured on the policy) Other farm structures, storage sheds and outbuildings (if specifically insured on the policy) Property Loss and Damage Insurance for Farm Personal Property Including Livestock While the structures on the farm property will usually be of highest value, horse people know that the machinery, equipment and tack add up. Even just replacing all your water buckets and wheelbarrows can be expensive! Loss of or damage to the following farm personal property is covered under this portion of the policy: Machinery Farm tools and equipment Horse tack and equipment Animal feed, hay, bedding and crop seed Horses Cattle Other livestock Fencing NOTE: For your livestock, you may want to consider more complete and comprehensive horse and equine life insurance or horse and equine surgical and major medical insurance. These are not available as part of the package policy. Liability Insurance There are five types of liability insurance to consider, most of which can be built into one comprehensive farm insurance policy: Personal liability: Protects you and your immediate family members. Farm liability: Insures your agricultural/farming management and the work you do with your livestock. Contact your insurance broker for the details on this coverage because it varies based on insurer. Commercial general liability: Insures your commercial operations and protects you from financial loss. (Some special-risk horse activities may be insured but check with your insurance broker.) Care, custody and control: Protects you from damages due to injury or loss if you don’t own the horses you’re caring for.) Equine professional liability: Equestrian liability insurance protects your business if you offer professional services. This includes farriers, trainers, riding instructors and more. What’s Included in the Commercial General Liability Policy? The policy gives you maximum limits or amounts of liability insurance for: Lawsuits for bodily injury or property damage caused by conducting your business operations . Legal defense costs: You can save your business the financial burden of court costs if you’re sued, whether or not the case has merit. Claims or settlement costs: Without this policy, the business could be held responsible for bodily injury and property damage claims. What if I Have Difficult-To-Insure Exposures? If you offer services like pony rides, horse-drawn vehicle rides, trail guides, instruction or horse-related camps, we can often coordinate your policies to make sure your property and any business you do is protected. Contact us today to learn more or click below for a free, no-obligation quote.

In Canada, selling and leasing horses is a commercial venture where you stand to profit, which means you open yourself up to liability exposure. We can’t always predict how horses are going to behave in any situation, so you want to make sure that you protect yourself and your business. In fact, even if you don’t deal directly with horses and instead sell items that will be used in relation to a horse, you still need some liability exposure. What you’ll discover in this report: Potential exposure when you’re selling a horse What to know about leasing horses Common claims related to horse sales and leasing The need for horse tack and equipment sales insurance Common claims against horse tack and equipment businesses How to plan ahead Coverage offered by a commercial general liability policy Other types of insurance to consider Am I Really Exposed if I’m Selling My Horse? We’ve all made purchases we’re not happy with. It can happen when someone purchases a horse, too. Buyers always have expectations, and if the horse you sell them doesn’t meet their expectations, you could get pulled into a claim. How? Because someone gets hurt or property is damaged by the horse you sold. Whenever someone interacts with a horse in any way, you’re exposed to liability. If you’re selling or leasing a horse or horses each year, you may not need horse sales and leasing insurance. But if you’re raising a large number of horses and buying and selling more than a couple of horses a year, you need commercial liability. What Do I Need To Know About Leasing Horses? No matter the term of the lease, owners must prepare a lease agreement that includes how the horse is to be used. Some of your liability is relieved if you own the horse when you pass it off to the lessee, but you want to make sure the lessee is properly insured. And if the lessee has employees who will be exposed to the horse, you want to make sure the staff is insured under a workers compensation policy. All parties should sign an agreement clearly indicating the terms and responsibilities of everyone involved. Some of the items mentioned should include: Term of the lease Residence of the horse during the lease Purpose of use Conditions of premises Level of care Use and misuse Who pays for any expenses, including food, vet and farrier Return of the horse Future sale of the horse Ownership of major medical insurance Limits of liability insurance of lessee A short-term lease may only last a day or a few weeks. Generally, the purpose of a short-term lease is riding, and some owners lease their horses seasonally to schools, camps or resorts. A long-term lease can last anywhere from 90 days to many years. In most cases, people use long-term leases to try out horse ownership. It could also be for breeding or competition. In many cases, owners include an option to buy the horse in a long-term lease. Top Claims Related to Horse Sales and Leases The most common claim incidents involving horse sales and leases include: The horse is injured or dies while in the trainer’s custody or control A horse gets loose at a show and causes a car accident. Any injuries to passengers and damage to the car can result in a large claim, and the horse must usually be put down. Bystanders or other horses are injured and/or property is damaged while a horse acts unpredictably in the trainer’s care. Why Do I Need To Insure My Horse Tack and Equipment Sales? You should insure your tack and equipment sales because you could be pulled into a claim or lawsuit, which can financially harm your business. Other reasons to purchase coverage include: If you sell commercially manufactured products, you can still be named in a lawsuit. If you manufacture items for sale, this isn’t generally insured under your farmowners Insurance. This could include large items pulled by the horse, like a horse, or something the horse wears, like a saddle. Because operating a retail store brings people coming in and out of your store. Top Claims Related To Horse Tack and Equipment Sales The most common claim incidents involving tack and equipment sales include: A customer gets hurt while entering or exiting your store and makes a bodily injury claim. The equipment you sell malfunctions and causes an injury to your customer or a member of their family. Someone is injured while using an item they bought from you. How To Plan Ahead We know you care about the horses and the people who come to you for services. Below are steps you can take to protect yourself against potential accidents. Have clear store rules Develop rules for your environment for staff and clients. Train staff members so they understand rules and procedures. Document procedures. Plan for emergencies Emergencies happen. But the more prepared you are, the better chance you have of providing proper care to your horses. Preparation can minimize the severity of any accident. Develop regular inspections of your property By inspecting your premises for potential hazards, you can take care of them before an incident occurs. Review your province’s Occupiers’ Liability Act Your province's Occupiers’ Liability Act could state that the store owner/operator owes a duty of care to the people who enter their premises, which assures that any property they bring on your premises is also reasonably safe. Purchase a commercial liability insurance policy Protect you and your business with equestrian liability insurance from an insurance company that knows horses and your business. You want to make sure that any legal fees 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? This policy protects you from legal costs, claims and settlements from a prospect, buyer, lessee, lessee’s guest, visitor or anyone who visits your business property, invited or not. It includes: Bodily injury: Protect yourself from financial loss in the event anyone sustains an injury on your property. Property damage: Avoid having to pay damages to others if an incident occurs on your property in relation to your business activities. The policy gives you maximum limits or amounts of liability insurance for: Lawsuits for bodily injury or property damage caused by conducting your business operations . Legal defense costs: You can save your business the financial burden of court costs if you’re sued, whether or not the case has merit. Claims or settlement costs: Without this policy, the business could be held responsible for bodily injury and property damage claims. Other Coverages To Consider In addition to commercial general liability insurance, you should also consider tack, equipment and machinery coverage to protect your tools and your business by insuring your tack, equipment and machinery against loss or damage. If you are manufacturing items, you should also ensure you have a Products Liability policy, should you be sued due to defective equipment or tack. Get Horse Sales, Leasing and Equine Equipment Insurance Today At Henry Equestrian, Powered by NFP, we understand horses and we want to help protect your business. Contact us today to learn more or click below for a free, no-obligation quote.

You love horses. You love children. You already teach lessons to children and you’re thinking about starting a day or overnight camp on your farm, complete with trails and swimming. But have you thought about the level of risk for liability and the insurance you’ll need to cover that risk? In this report we’ll cover: The level of risk for liability Common claims against horse camps How to plan ahead The coverage you need Coverage offered by a commercial general liability policy Government/insurance standards for coaching How High Is My Liability Risk as a Camp? Whether you’re running an overnight camp or just a day camp, your risk level is high because you’re responsible for your campers for a long duration of time. To reduce that risk, it’s best to follow industry standards and have continuous supervision with a high counselor-to-camper ratio. Top Claim Incidents for Horse Camps Some of the most common claim incidents for horse camps include: A camper wanders away from supervision and gets injured A camper gets hurt while horseback riding, playing games or participating in another camp activity How To Plan Ahead We know you care about the horses and the people who come to your camp. Below are steps you can take to protect yourself against potential accidents. Enforce barn rules Develop rules for your environment for both horses and people. Train staff members so they understand rules and procedures. Document procedures. Plan for emergencies Emergencies happen. But the more prepared you are, the better chance you have of providing proper care to your horses. Preparation can minimize the severity of any accident. Develop regular inspections of your property By inspecting your premises for potential hazards, you can take care of them before an incident occurs. Prepare a written waiver and review your province’s Occupiers’ Liability Act Your province's Occupiers’ Liability Act could state that the stable owner/operator owes a duty of care to the people who enter their premises, which assures that any property they bring on your premises is also reasonably safe. Anyone who participates in horse activities on your premises needs to complete and sign your province’s waiver, if applicable. Make sure to keep signed forms on file and safely stored. You are free to restrict, modify or exclude this duty of care through your written waiver. Follow Provincial Safety Regulations Check your provincial safety regulations regarding helmet use for minors and if helmets need to meet certain criteria, such as ASTM, BSI or European Safety Standards. Footwear is also often regulated (i.e. hard-soled footwear with a heel of no less than 1.5 centimeters). Purchase an equine liability insurance policy Protect you and your business with equestrian liability insurance from an insurance company that knows horses and your business. You want to make sure that any legal fees are covered, claim costs and settlements to ensure that in the case of an accident, your business doesn’t suffer a financial loss. Why You Need Equestrian Facility Insurance When you start to use your property for a business, you need an equestrian facility insurance plan. You want to protect your property, your horses and your income. Some key elements you’ll need include: Liability cover of up to $5 million, and exceptionally $10 million when you opt to use high-limit umbrella insurance. This protects you from claims and lawsuits for bodily injury, loss of life or property damage allegedly caused by you, your employees or animals in your care or under your supervision. Care, custody and control insurance for boarded horses. This covers illness, injury or death caused unintentionally for horses not owned by you. We can also provide horse insurance for horses you own yourself. Property insurance for your buildings, outbuildings, barns, stables and other structures. We can also make sure it covers the buildings’ contents including equipment, tack, feed stores and other materials. Professional liability coverage for individual coaches and instructors against allegations of professional incompetence, mistakes and erroneous advice. Loss of income coverage in the event your operation is disrupted due to insured perils. Additional special risks equine facility insurance for one-off or special events, including those held off-site. Commercial and farm vehicle insurance. What’s Included in the Commercial General Liability Policy? The policy gives you maximum limits or amounts of liability insurance for: Lawsuits for bodily injury or property damage caused by conducting your business operations. Legal defense costs: You can save your business the financial burden of court costs if you’re sued, whether or not the case has merit. Claims or settlement costs: Without this policy, the business could be held responsible for bodily injury and property damage claims. NOTE: You must have a qualified lifeguard on duty for any swimming activities if you have a pond or a pool. Equine Facility Operation Standards Depending on the commercial venture you’re starting, if it involves horses, there are minimum safety standards for activities including coaching, trail rides, equine-assisted learning and pony rides. For coaching, Equestrian Canada offers coaching certification, registration and licensing (This isn’t required by law or for your insurance.) Also check your provincial safety regulations regarding helmet use for minors and if helmets need to meet certain criteria, such as ASTM, BSI or European Safety Standards. Footwear is also often regulated (i.e. hard-soled footwear with a heel of no less than 1.5 centimeters). We think it’s great that you’re sharing your love of horses with others. By teaching your campers respect and care for horses, you’re giving them a great opportunity. Get Horse Camp Insurance Today At Henry Equestrian, Powered by NFP, we think it’s great you want to share your love of horses with others and want to make sure you’re protected. Contact us today to learn more or click below for a free, no-obligation quote.

Horses are large animals that can behave unpredictably. If you’re training them to do something new, training in a new environment or introducing them to someone new to handling them, they may act up. Sometimes, these situations can result in an injury. And because you’re working with high-value animals, it adds risk. Whether you train horses out of your own facility or elsewhere as an independent contractor, you want to make sure you protect yourself against a claim or lawsuit. What you’ll discover in this report: Reasons to insure your horse training service Common claims against horse trainers How to insure yourself as an independent contractor How to plan ahead Coverage offered by a commercial general liability policy Other types of insurance to consider Why Do I Need To Insure My Horse Training Services for Liability? Training horses often involves more than just training the horses; you’re often instructing people too. Not all riders will have experience. You may train and show horses exclusively for the owners, or you may teach horse training clinics, seminars or certification courses. Regardless of your trainees’ experience level, it’s important to protect yourself financially should anything happen to a horse, rider, bystander or the surrounding property while the horse is in your care. Top Claim Incidents Related to Horse Instruction, Coaching and Training The most common claim incidents related to horse training include: The horse becomes injured or dies while in the trainer’s custody or control. A horse gets loose at a show and causes a car accident. Any injuries to passengers and/or damage to the car can result in a large claim, and the horse must usually be put down. Bystanders or other horses are injured and/or property is damaged while a horse acts unpredictably while in the trainer’s care. What’s Unique About Independent Contractors? Even though you don’t train or instruct on your own property, you still have liability exposures. And while you want to make sure the stable owners you work with are properly insured; many will want the same from you. Many barns will want proof of your commercial general liability policy, which insures your training or instructing activities. If you carry your own policy, some stable owners will ask to be named as an additional insured. This doesn’t insure the stable for any of its business activities and/or in the case of negligence; it only covers them in relation to what you do at their location. While some stable owners may be able to add you to their stable’s liability policy if you work as an employee for them, you want to make sure you have proof that your name is on the policy. A disadvantage of this, however, is that you’re only insured at that one stable, not the others where you offer training or instruction The most common types of claim incidents faced by independent contractor horse trainers include: Your student or a handler becomes injured during instruction. Common injuries include broken arms, injured tailbones or backs, broken or bruised ribs, shoulder injuries and head injuries. A horse becomes injured or dies during a training session. A horse you’re training gets loose and runs into traffic, causing an accident. How To Plan Ahead We know you care about the horses and the people who come to your farm. Below are steps you can take to protect yourself against potential accidents. Enforce barn rules Develop rules for your environment for both horses and people. Train staff members so they understand rules and procedures. Document procedures. Plan for emergencies Emergencies happen. But the more prepared you are, the better chance you have of providing proper care to your horses. Preparation can minimize the severity of any accident. Develop regular inspections of the area you ride or teach in By inspecting your premises for potential hazards, you can take care of them before an incident occurs. Prepare a written waiver and review your province’s Occupiers’ Liability Act Your province's Occupiers’ Liability Act could state that the stable owner/operator owes a duty of care to the people who enter their premises, which assures that any property they bring on your premises is also reasonably safe. Anyone who participates in horse activities on your premises needs to complete and sign your province’s waiver, if applicable. Make sure to keep signed forms on file and safely stored. You are free to restrict, modify or exclude this duty of care through your written waiver. Follow Provincial Safety Regulations Check your provincial safety regulations regarding helmet use for minors and if helmets need to meet certain criteria, such as ASTM, BSI or European Safety Standards. Footwear is also often regulated (i.e. hard-soled footwear with a heel of no less than 1.5 centimeters). Purchase an equine liability insurance policy Protect you and your business with equestrian liability insurance from an insurance company that knows horses and your business. You want to make sure that any legal fees 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: Lawsuits for bodily injury or property damage caused by conducting your business operations Legal defense costs: You can save your business the financial burden of court costs if you’re sued, whether or not the case has merit. Claims or settlement costs: Without this policy, the business could be held responsible for bodily injury and property damage claims. Other Coverages To Consider In addition to a commercial general liability policy, you should also consider: Equine professional liability: If you’re viewed as an expert with training qualifications, your professional liability exposures is much higher. We can add this to your general liability policy for a nominal charge. Instruction or coaching: This is another potential exposure and you should ensure that you’re covered with riding instructor insurance, even if you have a secondary or minor exposure. Workers' compensation: If you have employees, you need additional coverage for injury to them. Horse mortality: If you lease a horse and become its temporary owner, you’re at risk of being liable if the horse dies. Horse surgical and major medical: If you lease a horse and become its temporary owner, you’re at risk of being liable if the horse becomes sick or injured. Care, custody and control liability: This policy protects you from expenditures for loss, illness or injury that could happen to a horse you’re training. Tack, equipment and machinery: Protect your tools and your business by insuring your tack, equipment and machinery against loss or damage. Get Horse Trainer Insurance Today At Henry Equestrian, Powered by NFP, we understand horses and your business, which is why we want to make sure you’re protected. Contact us today to learn more or click below for a free, no-obligation quote.

If you’ve recently adopted or purchased a pony, maybe you’ve considered sharing the ponies with children at birthday parties or on pony rides. After all, you have everything you need to start a business, right? What about insurance? If a child falls off a pony and gets hurt or a scared pony runs loose and causes damage in a public space, you would be held liable. You need to think about: Common claims involving pony rides Following government/insurance standards How to plan ahead Coverage offered by a commercial general liability policy Additional coverage to consider Top Claims Incidents Against Pony-Related Businesses  Some of the most common claim incidents involving pony-related businesses include: A child or adult falls or trips while trying to get near the pony A child falls from or jumps off a pony while riding it A pony reacts to someone deliberately trying to scare it, behaves in an unsafe way and damages property or injures someone A scared pony gets loose in a public location causing damage to property, gets hit by a car or charges into people. Equine Facility Operations Standards Depending on the commercial venture you’re starting, if it involves ponies, there are minimum safety standards for activities, including coaching, trail rides, equine assisted learning and pony rides. You also need to be aware of your province’s safety regulations. Check your provincial safety regulations regarding helmet use for minors and if helmets need to meet certain criteria, such as ASTM, BSI or European Safety Standards. Footwear is also often regulated (i.e. hard-soled footwear with a heel of no less than 1.5 centimeters). How To Plan Ahead We know you care about ponies and the people you entertain. Below are steps you can take to protect yourself against potential accidents. Enforce barn rules Develop rules for your environment for both the ponies and people. Train staff members so they understand rules and procedures. Document procedures. Plan for emergencies Emergencies happen. But the more prepared you are, the better chance you have of providing proper care to your horses. Preparation can minimize the severity of any accident. Develop regular inspections of your property By inspecting your premises for potential hazards, you can take care of them before an incident occurs. Prepare a written waiver and review your province’s Occupiers’ Liability Act Your province's Occupiers’ Liability Act could state that the stable owner/operator owes a duty of care to the people who enter their premises, which assures that any property they bring on your premises is also reasonably safe. Anyone who participates in horse activities on your premises needs to complete and sign your waiver, if applicable. Make sure to keep signed forms on file and safely stored. You are free to restrict, modify or exclude this duty of care through your written waiver. Purchase an equine liability insurance policy Protect you and your business with equestrian liability insurance from an insurance company that knows horses and your business. You want to make sure that any legal fees 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: Lawsuits for bodily injury or property damage caused by conducting your business operations Legal defense costs: You can save your business the financial burden of court costs if you’re sued, whether or not the case has merit. Claims or settlement costs: Without this policy, the business could be held responsible for bodily injury and property damage claims. What Other Coverages Should I Consider? In addition to commercial general liability insurance, you should also consider a 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. Get Pony Ride and Event Insurance Today At Henry Equestrian, Powered by NFP, we understand the equestrian industry and we want to make sure you, your ponies and your clients are protected. Contact us today to learn more or click below for a free, no-obligation quote.

Your horse is important to you, and it’s a high-value investment. You want to make sure you protect your horse’s life. What you’ll discover in this report: Types of horse mortality insurance Other types of coverages to consider What Insurance Is Available for My Horse’s Life? We offer two types of insurance for horse mortality. First, there’s full mortality and theft insurance, which is very similar to a term life policy you’d purchase for yourself. This insures you against: Financial loss due to the death by natural or accidental cause of your horse Proven theft Like many life insurance policies, there are qualifications for a policy in Canada. Depending on the insurer, based on the value of your horse, you may not require a veterinary certificate showing that your horse is physically sound and in good health. Different insurers may also have different coverages and conditions that pertain to age limits. Secondly, you can purchase limited mortality insurance, call Specified Perils, which insures the death of your horse due to or necessitated by specified perils. These insured perils generally include: Fire and lightening, or smoke that results from either Collision, derailment or overturn of vehicles while in transit (includes loading and unloading) Collapse of bridges and culverts Earthquake and/or floods Windstorm, cyclone, tornado and hail Explosion Aircraft and objects falling from aircrafts Accidental shooting (except by you or your employees) Drowning Artificial electricity Attack by dogs or wild animals Building collapse Theft (even if it doesn’t result in death) NOTE: If your horse doesn’t qualify for full mortality and theft insurance, it can often be covered under Specified Perils mortality insurance. What Other Coverages Should I Consider? In addition to horse mortality insurance, you should also consider: Surgical Endorsement A surgical endorsement protects you from loss that occurs because of a surgical procedure your horse needs. This includes surgical fees charged by a licensed veterinarian that are reasonable and customary for the treatment delivered to save your horse’s life, better its health or treat an injury. This can also include approved non-surgical medical fees that are applied for a specific period of time following surgery. Different insurers have different coverages, conditions and monetary limits, as well as applicable deductibles. Medical and Surgical Endorsement The medical and surgical endorsement not only protects you from loss related to surgical procedures your horse needs, but also medical expenses. This includes surgical fees charged by a licensed veterinarian that are reasonable and customary for the treatment delivered to save your horse’s life, better its health or treat an injury. This coverage is usually subject to a deductible. Different insurers have different coverages, conditions and monetary limits. Air Trip Transit & Berserk Insurance If you’re transporting your horse for shows, breeding or other reasons using an airplane, you need to add short-term air transit insurance by endorsement to your full mortality policy. It’s also available with your Specified Perils mortality policy. Worldwide Coverage Extension If your horse will be kept outside of Canada and the US, you will need to extend the coverage territory for the duration of their stay, as Canadian policies generally have territory limitations with the automatic coverage provided. Get Horse Mortality Insurance Today At Henry Equestrian, Powered by NFP, we understand horses and want to make sure you and your horse are protected with the right coverage. Contact us today to learn more or click below for a free, no-obligation quote.

You provide a service to your customers by caring for their horses. Your treatments could include equine massage therapy and other alternative therapies such as acupressure, aqua therapy, electrical stimulation, magnetic therapy and dry or wet heat and cold applications By providing these services, you open yourself to being held responsible for any bodily injury or property damage that occurs while you’re providing the therapy. What you’ll discover in this report: Common claims against horse massage services and therapies How to plan ahead Coverage offered by a commercial general liability policy Other types of insurance to consider Top Claims Against Horse Massage and Therapy Operations The most common claim incidents involving horse massage and therapies include: During therapy, you lose control of the horse and it injures someone nearby or causes damage to the property. After treatment, you’re accused of improper treatment that further injures the horse. The owners feel that it’s no longer as useful or highly valued. How To Plan Ahead We know you care about the horses you care for. Below are steps you can take to protect yourself against potential accidents. Enforce barn rules Develop rules for your environment for both horses and people. Ensure the horse owner and barn staff understand the safest manner of holding and moving around you as you work on the horse Plan for emergencies Emergencies happen. But the more prepared you are, the better chance you have of providing proper care to your horses. Preparation can minimize the severity of any accident. Always inspect the space you will be working in for hazards By inspecting the area for potential hazards, you can take care of them before an incident occurs. Purchase a commercial general liability insurance policy Protect you and your business with equestrian liability insurance from an insurance company that knows horses and your business. You want to make sure that any legal fees are covered, claim costs and settlements to ensure that in the case of an accident, your business doesn’t suffer a financial loss. H2: What’s Included in the Commercial General Liability Policy? The policy gives you maximum limits or amounts of liability insurance for: Lawsuits for bodily injury or property damage caused by conducting your business operations Legal defense costs: You can save your business the financial burden of court costs if you’re sued, whether or not the case has merit. Claims or settlement costs: Without this policy, the business could be held responsible for bodily injury and property damage claims. Other Coverages To Consider In addition to horse massage and therapy insurance, you should consider: Care, custody and control liability insurance: This endorsement helps protect you against financial loss if a horse you don’t own becomes sick, injured or dies while in your care. Equine professional liability: Add this endorsement for every instructor to protect them from exposure. There is a separate premium charge for this coverage. Get Horse Massage Therapy Insurance Today At Henry Equestrian, Powered by NFP, we respect the care you give to horses and we want to make sure your operation is protected with the right coverage. Contact us today to learn more or click below for a free, no-obligation quote.