If you train horses, you face a unique risk that other professions do not have. If you employ trainers, you need to think about the kind of insurance coverage they need that may not be covered under general liability. Because trainers deal with frightened and sometimes aggressive animals, it can be easy for them to incur injury. And because horses are so large, they can inflict a large amount of damage with little effort. Even being shoved to the side and into the wall can result in cracked ribs or broken bones.
Horse trainer insurance protects yourself and your employees against these kinds of injuries and ensures your employees are protected from harm. Not only does it cover medical costs, but insurance will also cover any legal defense costs and settlement costs you may face if sued by an injured party.
In some cases, training insurance policies will also protect against potential lawsuits and injury caused to customers riding on the back of a horse. New riders often get scared and can fall from horseback. While this doesn't seem like a huge risk of injury, horses seat high off the ground—and landing on the neck or the head can result in serious injury even from a short fall.
Purchasing insurance to protect yourself and your employees is about more than meeting any legal obligation you may have. It provides a sense of stability and peace of mind that can be invaluable when running a business. If you work with horses, you don't want to think about the damage they may cause, but you can't let your love for the creatures cloud your judgement. Prepare for any eventuality and you will be better equipped to handle whatever situation may arise. Look into the insurance options available to you and choose the best fit for your needs.
