Is there any way to really protect yourself if you allow someone to ride your horse?
 
 

       The Horse Forum > Horse Resources > Horse Law

Is there any way to really protect yourself if you allow someone to ride your horse?

This is a discussion on Is there any way to really protect yourself if you allow someone to ride your horse? within the Horse Law forums, part of the Horse Resources category
  • How protect yourself when on a horse
  • Arizona ride at your own risk sign

Like Tree10Likes

 
LinkBack Thread Tools
    11-19-2012, 02:08 PM
  #1
Foal
Is there any way to really protect yourself if you allow someone to ride your horse?

So I now have two horses. My big boy is going well under saddle and could benefit from a few more miles put on him by a good rider. And our new rescued pony has a line a mile long of the kids' friends who want to come and have a pony ride.

However, I have not yet found a safe way to allow other people to ride my horses. My mother is a lawyer and said waivers are not worth the paper they are written on and suggested I look into insurance. So I called several horse insurers looking for liability insurance (not mortality) and was told that no one sells the type I am interested in... basically allowing someone to ride my horses and protecting me and my assets if they get hurt. The only things covered are things like if someone comes up to the fence and gets bitten/kicked or if the horses get out on the road and someone gets injured. My barn owner gave me a copy of her insurance and I am already covered for those situations under her policy.

Is there any safe way to keep my assets safe and allow my horses to be ridden by other people? Everyone at my barn who leases out their horses uses waivers but then we are back to mom the lawyer who just told me in no uncertain terms that if I don't want to end up penniless to just keep everyone at arm's length of my horses...
     
Sponsored Links
Advertisement
 
    11-19-2012, 02:13 PM
  #2
Showing
Nope, people can sue for anything, and if they get hurt even after signing a waiver, you'll be responsible.
     
    11-19-2012, 03:40 PM
  #3
Started
Where I am insurance to cover yourself as a rider is fairly cheap and EVERYBODY who owns or leases has it. Unfortunately it doesn't work for people wanting an occasional pony ride, but do you have something like that where you are? If somebody was serious about wanting to ride your horse every so often it would be worth it to purchase...
     
    11-19-2012, 04:36 PM
  #4
Green Broke
Youd probably have to look at some kinda business or personal umbrella liability insurance. People that do party pony rides gotta have something. Seriously though what kinda assets do you have ? That's really what liability insurance protects. Lawyers tend to sue on a percent of what they collect. If you are a college student living in a dorm, no land, driving a beater, its not going to be worth a lawyers effort to suit you. Just make sure you stay in debt and don't ever actually own enough assets to be worth a lawyers time.
     
    11-19-2012, 04:40 PM
  #5
Showing
Quote:
Originally Posted by Joe4d    
Just make sure you stay in debt and don't ever actually own enough assets to be worth a lawyers time.
I hope this is meant tongue in cheek, otherwise it's possibly the most moronic 'advice' I've ever seen.
     
    11-19-2012, 08:08 PM
  #6
Trained
Quote:
Originally Posted by Joe4d    
...Just make sure you stay in debt and don't ever actually own enough assets to be worth a lawyers time.
It is kind of like being so skinny that even a shark won't want to waste time on you...
QOS likes this.
     
    11-19-2012, 08:26 PM
  #7
Ink
Weanling
I know in TN there are laws protecting from that. We have signs posted all over the stable that say some thing along the lines of " horseback riding is inheritently dangerous, and could re**** in injury pr death, ride at your own risk. Etc." I thought most states had similar laws but I guess not. Or maybe they don't really protect from law suits?
Posted via Mobile Device
     
    11-19-2012, 08:29 PM
  #8
Super Moderator
Quote:
Originally Posted by bsms    
It is kind of like being so skinny that even a shark won't want to waste time on you...
Hey - If it works don't knock it!!!
     
    11-19-2012, 08:50 PM
  #9
Trained
Quote:
Originally Posted by Ink    
...Or maybe they don't really protect from law suits?
Posted via Mobile Device
Not for a business, although a business may be held to a higher standard at times.

For example, in Arizona:
"After the ride, she obtained permission to take Satin from a corral for grazing. She caught Satin in a corral in the company of an unbroken horse. As she was leaving the corral with Satinís lead rope around her hand, the other horse interfered causing the lead rope to tighten and severely injure Keely. ..

...We do not read s 12-553 as providing blanket immunity for a stable operator, regardless of how, when, and where one of its customers is injured by a horse. Accordingly, the statute does not bar liability against defendants or support summary judgment for them in this particular case."
http://asci.uvm.edu/equine/law/cases/laws/bothell.htm

More reading here:

Equine Activity Laws

Once lawyers get involved, the law can mean just about anything...
     
    11-19-2012, 08:53 PM
  #10
Trained
Quote:
Originally Posted by jaydee    
Hey - If it works don't knock it!!!
Well, I'll NEVER be too skinny for a shark...
QOS likes this.
     

Quick Reply
Please help keep the Horse Forum enjoyable by reporting rude posts.
Message:
Options

Register Now

In order to be able to post messages on the The Horse Forum forums, you must first register.

Already have a Horse Forum account?
Members are allowed only one account per person at the Horse Forum, so if you've made an account here in the past you'll need to continue using that account. Please do not create a new account or you may lose access to the Horse Forum. If you need help recovering your existing account, please Contact Us. We'll be glad to help!

New to the Horse Forum?
Please choose a username you will be satisfied with using for the duration of your membership at the Horse Forum. We do not change members' usernames upon request because that would make it difficult for everyone to keep track of who is who on the forum. For that reason, please do not incorporate your horse's name into your username so that you are not stuck with a username related to a horse you may no longer have some day, or use any other username you may no longer identify with or care for in the future.

User Name:
Password
Please enter a password for your user account. Note that passwords are case-sensitive.
Password:
Confirm Password:
Email Address
Please enter a valid email address for yourself.
Email Address:

Log-in

Human Verification

In order to verify that you are a human and not a spam bot, please enter the answer into the following box below based on the instructions contained in the graphic.


Old Thread Warning
This thread is more than 90 days old. When a thread is this old, it is often better to start a new thread rather than post to it. However, If you feel you have something of value to add to this particular thread, you can do so by checking the box below before submitting your post.

Thread Tools

Similar Threads
Thread Thread Starter Forum Replies Last Post
How to protect his mouth? mydaughtersgroom Horse Tack and Equipment 1 10-24-2012 11:31 PM
Protect Your Assets howrsegirl123 Horse Breeding 2 10-21-2012 04:35 PM
what do you protect your horse's legs with? blbosch Barrel Racing 11 09-04-2012 01:00 AM
Please sign this petition to protect the livestock and horse industry Corporal Horse Law 6 04-25-2012 08:49 PM



All times are GMT -4. The time now is 04:59 AM.


Powered by vBulletin® Version 3.8.5
Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.
Search Engine Friendly URLs by vBSEO 3.6.0