Does a horse trainer need insurance?
Dealing with animals on a professional basis is a unique experience that brings on many levels of responsibility. These responsibilities are really unlike those in other professions. While drivers who use their cars professionally have to carry certain types of insurance coverage, dealing with a living being as part of a job does present many complications. This is why horse trainers, who obviously deal with horses professionally, must be wise and think about carrying horse trainer insurance in order to protect their livelihood and their professional interests.
Protection in Case of Unforeseen Events
A horse trainer faces some legal exposure in their line of work, as there is always the possibility that other people (bystanders) can be hurt, and property can be damaged while a horse is being trained. Coverage for these types of events falls under a General Liability insurance policy, and it is likely the most important kind of coverage that a horse trainer should have.
Other events can occur that will expose a horse trainer, like injury, illness or death to the horse that is being trained. The owner of the horse may hold the trainer responsible for events that happen while the horse is under their care, so it’s important to be covered for this. This type of coverage is called Care, Custody and Control. It must be purchased separately or added on to a General Liability policy.
Horse trainers should also consider getting professional liability insurance. This can be an issue the more known the trainer is. The higher their professional level, the greater their exposure can be.
Training Horses Adds to the Risk
Horses are large animals that can be unpredictable. As trainers motivate horses and push them to learn more, there is definitely an element of risk involved in working with them. All of this is why horse trainers should definitely explore the different types of insurance available and consider adding several elements of coverage into one policy.
Working with horses is an honored profession, but there’s no question it does come with some risks. So, if you work with horses, be sure to take out insurance to protect your livelihood and your health and safety. It’s worth it!