Originally Posted by franknbeans
Absolutely you need the permission of the barn owner! And, just FYI-they can say no! After all, it is their insurance policy covering anyone there, and the insurance may not allow it, or it may cost a lot extra.
Personally, I have a seperate liability for my horses, it is cheap piece of mind, and be aware that even with a waiver if someone gets hurt, it may not be the actual hurt person who sues. It is their insurance company, which is happening more and more. I don;t risk it. I only have my poilcy for my guy who is at a therapy facility. (which is on top of the policy the facility has that covers me) My husband and I decided years ago that we like our home and want to continue to own it-so NOONE rides my horses.
I don't think the BO has to sign, but it should have their name and/or farm name and say some thing like....
"I ___________ hold harmless and indemnify ____________(farm name or BO) landowner as well as _________(you). I understand that horses are dangerous and engaging in equine activities may lead to injury and or death.....blah blah....
Signature and witness.
I think you may have misread the post - I said I already have permission from my friends to let someone else come out and ride. They are not a boarding facility, they are just private people with a farm and they allow me to keep my two horses there. They have 3 horses of their own as well.
Thank you for the advice!