Birthday Party Pony Rides - The Horse Forum
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post #1 of 13 Old 01-04-2011, 11:22 PM Thread Starter
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Exclamation Birthday Party Pony Rides

I am a teenager with a very good old pony (28 or 29) that has experiance with doing birthday parties. I was wondering what kind of safety stuff or insurance i will need as a minor to get paid for doing pony rides at birthday parties
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post #2 of 13 Old 01-04-2011, 11:49 PM
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I spoke with an insurance agency about this the other day. I'm going to start doing Pony Parties and those old time Picture Pony pics once I get the right pony. They said it's about $100 a month. It's for $500,000 liability insurance.

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post #3 of 13 Old 01-05-2011, 12:14 AM
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$500k doesn't really sound like enough to cover the potential loss in a situation like this. Just a thought.
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post #4 of 13 Old 01-05-2011, 12:16 AM
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That is what is required for all equine businesses by law. AND that it requires that all riders wear a helmet and sign a form. Even though the agent said in the end the form is worthless.

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post #5 of 13 Old 01-05-2011, 12:18 AM
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What I'm saying is, if I was going to put myself in this position (IE. run a pony ride gig), I'd make sure I was insured for at least up to $2 million. I am saying $500k is not enough in my opinion.
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post #6 of 13 Old 01-05-2011, 01:02 AM
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I understand that. I'm not sure if you can request more. I just know that is how much you have to have in Ohio.

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post #7 of 13 Old 01-05-2011, 01:51 PM
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I'd be asking!

You know what they say right, prepare for the worst, hope for the best?

Not to get morbid (but I'm going to anyways), say Joe Schmoe brings little Gigi for a pony ride. Something spooks poor pony, and Gigi lands on her neck perhaps permanently injuring her spinal cord. I'm pretty sure Mr. Schmoe could sue for damages in which that $500k liability you're insured for just touches the surface of what that kid will need to recover.

Check out the following figures - and these are old, from 2002:

What Do Spinal Cord Injuries Really Cost?

  • Length of initial hospitalization following personal injury in acute care units: 15 days
  • Average stay in rehabilitation unit: 44 days
  • Initial hospitalization costs following injury: $140,000
  • Average first year expenses for a SCI injury (all groups): $198,000
  • First year expenses for paraplegics: $152,000
  • First year expenses for quadriplegics: $417,000
  • Average lifetime costs for paraplegics, age of injury 25: $428,000
  • Average lifetime costs for quadriplegics, age of injury 25: $1.35 million
  • Percentage of SCI individuals unemployed eight years after injury 63%. (Note: unemployment rate when this article was written was 4.7%)
Source: The University of Alabama National Spinal Cord Injury Statistical Center - March 2002
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post #8 of 13 Old 01-05-2011, 01:53 PM
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Jumper, as a minor you cannot legally enter into any contractual agreements with adults or insurance companies, so a parent or adult legal guardian would have to take on that task.
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post #9 of 13 Old 01-05-2011, 01:54 PM
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That was the other thing I was thinking about. Which means if anything happened, its the parents who are liable. Is that right?
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post #10 of 13 Old 01-05-2011, 01:57 PM
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Yes ma'am, the parent/legal guardian would be the ones liable, since you can't sue children.

Which means they could lose everything they own if someone got badly hurt.

I don't see anyone's parents willing to run that risk, so I'd say the OP has little to no chance to have this come to fruition.

I admire her willingness to work and make money, but it's not going to happen with this idea.
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