07-02-2009, 05:02 AM
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Great advice TAZ. Especially if you have an operation that would benefit from incorporating. Check those insurance coverages and make sure you are not risking your assets by trying to save a few bucks here and there.
Your liability and hold harmless agreement should always include that visitors and guests are aware of the inherent dangers associated with equine, leisure and farm related activities. Spell it out.....These dangers can include accidents, injuries and even death resulting from these activities, even in cases of negligence. It should not be limited to just riding. We require any minor entering the farm designated "animal areas and barn" to wear an ASTM/SEI approved helmet, appropriate footwear and clothing. Minors must be accompanied by a parent/legal guardian at all times. Visiting adults are required to wear helmets when riding and appropriate footwear also. A clause should also be included that the property owner is not responsible for loss, theft or damages to any personal property. They should accept full and complete responsibility for their persons, minors and guests, personal property, equipment, vehicles and trailers. They accept responsibility to be educated and knowledgeable regarding appropriate and acceptable behavior while around farm and domestic animals. We also require all riders show proof of a valid riding insurance policy which is easy to obtain over here.
Our barn is an "adults only" Boarding facility. It is a nice market niche for us. We did have several "teens" before deciding to opt for the adults only situation. We do occasionally have kids come for a pre-arranged visit. I find it quite unnerving to see how visiting parents allow their children to behave around animals and new environments in general.
There are moments I just have to grit my teeth.
Each owner needs to manage their operation and facility with a keen eye to risk management which is required in this day and age.
Be sure you have your attorney go over any form you come up with to make sure you are protected.