Happy trails, as long as you have the right insurance

Your friends tell you all the time how nice the trails are through your property for horseback riding. You start thinking about how you could make a bit of extra money. It would help with the maintenance of the trails and some other things around the farm. You decide to give it a go.

Whether you’re charging for people to ride horses on the trails on your property in Ontario or not, you’ll be held responsible if they’re injured or lose or damage their property.

That means you need to make sure to buy insurance to protect you from any liability.

You want to make sure that you:

  • Have the coverage you need
  • Follow government/insurance standards

Commercial General Liability

You need to extend your insurance to cover trail rides on your property. The first step to protecting yourself is to make sure that every person that comes to use your trail signs a waiver/agreement of risk form. Unfortunately, even if they sign your waiver, you can still be sued.

That’s why you want to make sure that you extend your Commercial General Liability policy to cover this extra activity. Then you know you’re covered for 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.

Equine Facility Operation Standards

Depending on the commercial venture that 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 Bill 12 – Ontario’s Horse Riding Safety Act. This act was instituted to increase the safety of all equestrian riders, especially those under the age of 18. The legislation states that anyone under the age of 18 must:

  • Wear a helmet that meets ASTM, BSI or European Safety Standards
  • Wear hard-soled footwear with a heel of no less than 1.5 cm and/or safety stirrups (breakaway or hooded)
  • Use tack properly fitted on the horse

Our Equine Facility Insurance specialists are standing by to get to work for you, answer your questions, review your existing coverage and provide other guidance on risk management.

All you have to do is call us or click the Free Quote request button for a no-obligation quote or any other information you need. You won’t get high-pressure sales spiel, just the accumulated wisdom and experience of more than 35 years of providing first -lass insurance.