Well, if the horse was known to bolt, and the stable failed to provide proper tack - then the stable would not be protected by most state ELLAs.
It's "limited liability" after all - not immunity.
ETA: I heartily agree with the OP, though, that a good liability policy is a must for any business. Heck, I have one on my office, even though none of my clients are going to fall off anything except a chair. But wouldn't you know, one of them did it once! (Happily, without injury.)
Last edited by pAin't_Misbehavin'; Dec. 18, 2009 at 11:50 AM.
Ohio has an ELLA. I never believed that, even though the state form is posted in full site in the barn, that it absolved the barn from liability. I always understood that the barn and all employees still had to do everything in their power to prevent forseeable accidents. I.E. good tack, approved helmet & proper boots, suitably trained horse to rider skill, no junk left out (arena drag, ect) to cause an accident. The laws are only ment to remind the "rider/ participent in horse activities" that sometimes the unpredictable happens and that you assume some responsibility for your own self!