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...