• Welcome to the Chronicle Forums.
    Please complete your profile. The forums and the rest of www.chronofhorse.com has single sign-in, so your log in information for one will automatically work for the other. Disclaimer: The opinions expressed here are the views of the individual and do not necessarily reflect the views and opinions of The Chronicle of the Horse.

Announcement

Collapse

Forum rules and no-advertising policy

As a participant on this forum, it is your responsibility to know and follow our rules. Please read this message in its entirety.

Board Rules

1. You’re responsible for what you say.
As outlined in Section 230 of the Communications Decency Act, The Chronicle of the Horse and its affiliates, as well Jelsoft Enterprises Ltd., the developers of vBulletin, are not legally responsible for statements made in the forums.

This is a public forum viewed by a wide spectrum of people, so please be mindful of what you say and who might be reading it—details of personal disputes are likely better handled privately. While posters are legally responsible for their statements, the moderators may in their discretion remove or edit posts that violate these rules. Users have the ability to modify or delete their own messages after posting, but administrators generally will not delete posts, threads or accounts upon request.

Outright inflammatory, vulgar, harassing, malicious or otherwise inappropriate statements and criminal charges unsubstantiated by a reputable news source or legal documentation will not be tolerated and will be dealt with at the discretion of the moderators.

2. Conversations in horse-related forums should be horse-related.
The forums are a wonderful source of information and support for members of the horse community. While it’s understandably tempting to share information or search for input on other topics upon which members might have a similar level of knowledge, members must maintain the focus on horses.

3. Keep conversations productive, on topic and civil.
Discussion and disagreement are inevitable and encouraged; personal insults, diatribes and sniping comments are unproductive and unacceptable. Whether a subject is light-hearted or serious, keep posts focused on the current topic and of general interest to other participants of that thread. Utilize the private message feature or personal email where appropriate to address side topics or personal issues not related to the topic at large.

4. No advertising in the discussion forums.
Posts in the discussion forums directly or indirectly advertising horses, jobs, items or services for sale or wanted will be removed at the discretion of the moderators. Use of the private messaging feature or email addresses obtained through users’ profiles for unsolicited advertising is not permitted.

Company representatives may participate in discussions and answer questions about their products or services, or suggest their products on recent threads if they fulfill the criteria of a query. False "testimonials" provided by company affiliates posing as general consumers are not appropriate, and self-promotion of sales, ad campaigns, etc. through the discussion forums is not allowed.

Paid advertising is available on our classifieds site and through the purchase of banner ads. The tightly monitored Giveaways forum permits free listings of genuinely free horses and items available or wanted (on a limited basis). Items offered for trade are not allowed.

Advertising Policy Specifics
When in doubt of whether something you want to post constitutes advertising, please contact a moderator privately in advance for further clarification. Refer to the following points for general guidelines:

Horses – Only general discussion about the buying, leasing, selling and pricing of horses is permitted. If the post contains, or links to, the type of specific information typically found in a sales or wanted ad, and it’s related to a horse for sale, regardless of who’s selling it, it doesn’t belong in the discussion forums.

Stallions – Board members may ask for suggestions on breeding stallion recommendations. Stallion owners may reply to such queries by suggesting their own stallions, only if their horse fits the specific criteria of the original poster. Excessive promotion of a stallion by its owner or related parties is not permitted and will be addressed at the discretion of the moderators.

Services – Members may use the forums to ask for general recommendations of trainers, barns, shippers, farriers, etc., and other members may answer those requests by suggesting themselves or their company, if their services fulfill the specific criteria of the original post. Members may not solicit other members for business if it is not in response to a direct, genuine query.

Products – While members may ask for general opinions and suggestions on equipment, trailers, trucks, etc., they may not list the specific attributes for which they are in the market, as such posts serve as wanted ads.

Event Announcements – Members may post one notification of an upcoming event that may be of interest to fellow members, if the original poster does not benefit financially from the event. Such threads may not be “bumped” excessively. Premium members may post their own notices in the Event Announcements forum.

Charities/Rescues – Announcements for charitable or fundraising events can only be made for 501(c)(3) tax-exempt organizations. Special exceptions may be made, at the moderators’ discretion and direction, for board-related events or fundraising activities in extraordinary circumstances.

Occasional posts regarding horses available for adoption through IRS-registered horse rescue or placement programs are permitted in the appropriate forums, but these threads may be limited at the discretion of the moderators. Individuals may not advertise or make announcements for horses in need of rescue, placement or adoption unless the horse is available through a recognized rescue or placement agency or government-run entity or the thread fits the criteria for and is located in the Giveaways forum.

5. Do not post copyrighted photographs unless you have purchased that photo and have permission to do so.

6. Respect other members.
As members are often passionate about their beliefs and intentions can easily be misinterpreted in this type of environment, try to explore or resolve the inevitable disagreements that arise in the course of threads calmly and rationally.

If you see a post that you feel violates the rules of the board, please click the “alert” button (exclamation point inside of a triangle) in the bottom left corner of the post, which will alert ONLY the moderators to the post in question. They will then take whatever action, or no action, as deemed appropriate for the situation at their discretion. Do not air grievances regarding other posters or the moderators in the discussion forums.

Please be advised that adding another user to your “Ignore” list via your User Control Panel can be a useful tactic, which blocks posts and private messages by members whose commentary you’d rather avoid reading.

7. We have the right to reproduce statements made in the forums.
The Chronicle of the Horse may copy, quote, link to or otherwise reproduce posts, or portions of posts, in print or online for advertising or editorial purposes, if attributed to their original authors, and by posting in this forum, you hereby grant to The Chronicle of the Horse a perpetual, non-exclusive license under copyright and other rights, to do so.

8. We reserve the right to enforce and amend the rules.
The moderators may delete, edit, move or close any post or thread at any time, or refrain from doing any of the foregoing, in their discretion, and may suspend or revoke a user’s membership privileges at any time to maintain adherence to the rules and the general spirit of the forum. These rules may be amended at any time to address the current needs of the board.

Please see our full Terms of Service and Privacy Policy for more information.

Thanks for being a part of the COTH forums!

(Revised 1/26/16)
See more
See less

Who pays for insurance?

Collapse
X
  • Filter
  • Time
  • Show
Clear All
new posts

  • Who pays for insurance?

    I am free leasing my horse out, and was wondering who generally pays for the insurance? Owner or leasee? I always thought the leasee should pay for it since the horse is in their care, but lately people have been mentioning otherwise.

  • #2
    I believe the owner should/is suppose to.

    Comment


    • #3
      Lessee pays the insurance on all the leases I've done. I did co-pay with one horse though.

      Comment


      • #4
        my lessees' pay for insurance, seeing as they're the ones using the horse. insurance would be paid to me though.
        EdgeBrook

        Comment


        • #5
          I have always seen it as the lease pays the insurance, but the owner is the one named in the insurance, who will collect if the horse dies.
          Janet

          chief feeder and mucker for Music, Spy, Belle and Tiara. Someone else is now feeding and mucking for Chief and Brain (both foxhunting now).

          Comment


          • #6
            Vague with free leases.

            With a regular lease, it is usually built into the lease fee. For example, I leased my horse out for $10,000/year. $1,300 of that goes to the insurance policy. Leasee has personal liability only.

            Also, it depends if the horse is covered for mortality, or just liability. I think every rider (leaser) should have liability and the owner be responsible for medical/surgical/mortality as they will be the ones to collect the funds should something happen.

            Comment


            • #7
              Lessee. Part of the expenses incurred with getting a free horse.
              Laurie

              Comment


              • #8
                Policy is in owners name (payout goes to them) but leasee pays the yearly fee.

                Comment


                • #9
                  I always hold the insurance because you can't ever trust that the lee sees will keep it up. I build that into my cost of lease. If a free lease I will usually ask them to pay all costs related to the horse and this is one of them.

                  Comment

                  • Original Poster

                    #10
                    Yes I will of course keep the policy in my name.

                    So it is reasonable of me to ask them to pay for insurance?

                    Comment


                    • #11
                      Yes, I think if they're exclusively using the horse they should cover insurance costs for that period of time.
                      ~Veronica
                      "The Son Dee Times" "Sustained" "Somerset" "Franklin Square"
                      http://photobucket.com/albums/y192/vxf111/

                      Comment


                      • #12
                        If it's a free lease at 100% and the horse is going to be off the property, then I would expect the leasee to pay insurance.

                        The only time I wouldn't want to pay insurance personally is if it were a free lease on the property while being in training. I had a number of lease options I was considering years ago when I didn't have a horse. One owner insisted that if I were 1/2 leasing that she wanted me to pay half the insurance. I turned it down because I was in 1/2 training with the same trainer and essentially only riding when I was in a lesson, except for occasional trail rides around the property. Some people might have felt I should pay for the insurance, except there were plenty of nice options where owners did not require me to do so. I moved on and leased something else that was just as nice, but more affordable.

                        Comment


                        • #13
                          It depends on what arrangements you, the owner/lessor, decide to do. Quite frankly if I were owner, I would pay the insurance myself, and have the lessee reimburse me for the premium

                          Comment


                          • #14
                            Originally posted by EdgeBrook View Post
                            my lessees' pay for insurance, seeing as they're the ones using the horse. insurance would be paid to me though.
                            That is correct, but more clear:

                            Lessee pays.

                            Lessor chooses and buys the policy, to be reimbursed before the horse goes to the lessee.

                            Lessor is named as the payee.

                            The Lessor/HO does the insurance shopping and buying so as to protect her investment-- a policy that will do the job.

                            IMO, an agreement that includes insurance ought to include a clause that obligates the lessee to follow the insurance company's instructions to the letter. After all, the policy don't mean diddly if the people actually caring for the horse do something that invalidates a claim (like treating the horse before calling the insurance company).
                            The armchair saddler
                            Politically Pro-Cat

                            Comment

                            Working...
                            X