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 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.