Sport Horse Spotlight


Real Estate Spotlight


Sale Spotlight

COTH_without Subscribe
  • Welcome to the Chronicle Forums.
    Please complete your profile. The forums and the rest of 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.



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 may be better handled privately. While posters are legally responsible for their statements, the moderators may in their discretion remove or edit posts, though are not legally obligated to do so, regardless of content.

Users have the ability to modify or delete their own messages after posting. Moderators generally will not delete posts, threads or accounts unless they have been alerted and have determined that a post, thread or user has violated the Forums� policies. Moderators do not regularly independently monitor the Forums for such violations.

Profanity, outright vulgarity, blatant personal insults or otherwise inappropriate statements will not be tolerated and will be dealt with at the discretion of the moderators.

Users may provide their positive or negative experiences with or opinions of companies, products, individuals, etc.; however, accounts involving allegations of criminal behavior against named individuals or companies MUST be first-hand accounts and may NOT be made anonymously.

If a situation has been reported upon by a reputable news source or addressed by law enforcement or the legal system it is open for discussion, but if an individual wants to make their own claims of criminal behavior against a named party in the course of that discussion, they too must identify themselves by first and last name and the account must be first-person.

Criminal allegations that do not satisfy these requirements, when brought to our attention, may be removed pending satisfaction of these criteria, and we reserve the right to err on the side of caution when making these determinations.

Credible threats of suicide will be reported to the police along with identifying user information at our disposal, in addition to referring the user to suicide helpline resources such as 1-800-SUICIDE or 1-800-273-TALK.

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 5/9/18)
See more
See less

Teaching Riding Lessons and Insurance

  • Filter
  • Time
  • Show
Clear All
new posts

  • #21
    Originally posted by walktrot View Post
    The BO's insurance paid out a $15,000 settlement to a rider who was on a horse at the walk when a piece of leather tack broke. The rider fell, not hard, and got up with no injuries. She was wearing a helmet. The barn was liable because it was broken tack. Tack is something humans do, not the horse, so you are liable.
    I was taking a lesson one time and noticed that the stirrup leather was almost worn through and looked like it could break, and OMG, they couldn't get me off that horse fast enough so they could replace the leather. And then they inspected every other saddle on every horse in the lesson, and then instructed the barn staff to go inspect all the lesson horse tack.

    OTOH, I was at a trail ride one time and someone put a borrowed kid's saddle on a horse and I noticed that the latigo strap was iffy. Mentioned it to the father, and what does he do but go over and tighten the cinch.


    • Original Poster

      Spinoff question brought up by a comment -

      Do I need the same type of insurance coverage to have friends come ride with me (ETA: same type of coverage as if I were teaching lessons)? The only person that has ridden my horses besides my immediate family is my cousin. But I have talked to friends about coming out. I'm not charging them anything. Would a release cover me at all?


      • #23
        If you are teaching lessons you need an instructors' policy.

        If you are teaching lessons on your property, on your horses, you also should have a commercial policy.

        If you are ONLY having friends over on your personal property to ride with you, you should consult your insurance agent to confirm your coverage, but generally that would be covered by either your homeowner's policy (depends), an umbrella policy, and/or a horse owners personal liability policy. I would also recommend doing a written/signed release that reflects your state law.

        Many people are very cautious about loaning horses to friends exactly because of the liability issue. It's an unfortunate reality that we face.


        • #24
          Talk to your insurance company, but with my State Farm policy in Iowa, my homeowner's insurance covers liability for guests who may be injured by my horses. Because a horse-related injury has the potential to be catastrophic, we added extra liability coverage amount through a rider


          • #25
            With all this in mind, even having insurance does not prevent you from being sued and there being a trickle down effect. A trainer had training horses at an outside barn. Owner lived out of state. Horse was for sale, person came to try horse. Barn owner's dog that was loose scared horse, person fell, got back on and rode other horses. Almost a year later, sued trainer and property owner for "injuries". Trainer's insurance talked him into settling and taking responsibility. After settlement, barn owner sued trainer, horse owner and their insurance for their out of pocket expenses. So it is a clown car of a mess. I feel bad for the owner who simply shipped horses to be trained and sold and put care and responsibility of horses to trainer, now they are facing this crap. This all despite the state equine liability laws and waivers signed, etc.
            "The sea was angry that day, my friends - like an old man trying to send back soup in a deli"


            • #26
              NJRider that's wild! It absolutely blew my mind how few farms had me sign waivers during this round of horse shopping. I sat on 35+ horses split between 27 barns. Of those 27 barns only 3 had me sign a waiver. Most of these barns were large training barns where you would think those practices would be standardized.


              • Original Poster

                I wanted to give an update for anyone interested.

                I'm moving forward with getting firm quotes from a few of the insurance companies I talked with. I've set my goal for how much income I need to cover the insurance and other start up costs with also covering taxes at the end of the year and still making a profit to help cover horse expenses. My plan is to teach for the year and see if I'm able to meet that goal and get an idea of what my horses can handle, if there is demand for my program, etc.

                I live in a rural area but close to town and the interstate. We have one lesson program in the area not as close to town but close to the high school. I've met the owner and she has a successful program and she's a great horsewoman. Her focus is on showing in the pleasure circuit, she does the big pinto and quarter horse circuits. I would be offering a program focused on beginners, the relationship with the horse, and in the hunter/jumper discipline. So I don't feel like we are competitors, more complimentary. However I don't know if there is much demand or interest in English and jumping. I figure I will give it a shot and see how this year goes. If things go well I plan to start investing any profit in the farm and facilities.

                I have met a few people in the past few years that I have lived here asking if I knew of anywhere for their kids to ride (after telling them I love horses). So I'm hoping there are more out there interested!

                I welcome any advice!


                • #28
                  Don't go without specialized insurance for riding instructors unless you are prepared to lose everything you own in case of an accident. Also, start an LLC and have only those assets you can afford to lose under that. Have the LLC rent the part of your property that is horse business related.

                  Regular farm/home insurance companies won't cover riding lessons. Pls get specialized insurance, have signed releases, and adjust your lesson rates accordingly.


                  • #29
                    Originally posted by HungarianHippo View Post
                    Talk to your insurance company, but with my State Farm policy in Iowa, my homeowner's insurance covers liability for guests who may be injured by my horses. Because a horse-related injury has the potential to be catastrophic, we added extra liability coverage amount through a rider
                    My state has a Horseman's Council. A membership offers a personal (not professional) umbrella policy for $20 extra $1 Million Equine Excess Personal Liability Insurance.
                    The cue card kid just held up an empty cue card. For a minute there I thought I had lost my sense of humor. --- Red Skelton