Join Date: Aug 2009
Location: New South Wales, Australia
Different insurance companies have different policies. They will also insure for certain things. Their job is to work out the "risk" (ie. Likelihood of it happening) then offer insurance "money" if it does.
Some equestrian activities are deemed to be higher risk than others, such as jumping, eventing, barrel racing etc. This means that to cover these things to barn might have to pay a higher cost. Considering that they don't teach jumping then it would be silly for them as a business to pay more for it. I don't think the owners are being manipulated, in all honesty I think it's a smart thing to do. Insurance can be really expensive, if they just have mostly older horses for basic riding there is no need for jumping.
Banning jumping on school horses isn't uncommon. It is more dangerous and does require different training. If they don't have a professional jump trainer there is no reason their horses should be jumping. It's also harder on the horses. Regardless of the motivations behind their choices you should respect, they're not unreasonable.
If you want to jump the best thing is to either take lessons at a jumping barn or buy your own horse. If you want to keep your horse at this barn and want to jump and their insurance still doesn't cover you, then consider getting your own.