Join Date: Jun 2011
Location: Cariboo, British Columbia
In my area, instructors do not have to be liscenced and it's their choice for insurance, many different equine insurance polices abound here. The certified liscenced instructors I have used were not as effective as the coach I have now who is not certified in anyway, however her students are most successful in the showpen. But this is different from the OP, she provides the horses to ride, my instructor doesn't have horses, you haul to her place and ride your own horse.