Horse-related activities have risks, and small equine business operators can be prime targets for claims and litigation. as a result. For example:
• When riding her own horse and using her own equipment in a lesson, a student might fall off and blame the instructor.
• An instructor's school horse might spook during a lesson, causing the rider to fall. The rider might later claim that the instructor is liable because the assigned lesson horse was unsuitable or the environment unsafe.
A small, five-horse boarding stable owner might return home from her full-time job as a schoolteacher only to discover that a boarder's horse broke through a gate and strayed into a nearby road. causing a collision that severely injured motorists.
Equine professionals sometimes assume that they need no liability insurance because of the small and sporadic nature of their operations. That can be a huge mistake. Equally mistaken is the belief that your state's equine activity liability act will protect you from all possible claims: these laws have some limits. Another mistaken belief is that customers and visitors who sign liability releases will never file a lawsuit; sometimes they do and, worse, their lawsuits could reveal that the liability release is invalid or unenforceable.