Hi Barry, thanks for your reply! :) I live in Canada, so we're pretty much the same here! In Ontario we have an organization called the OEF OEF - Ontario Equestrian Federation, Richmond Hill, Ontario
that covers basically:
$5,000,000 Personal Liability Insurance
$30,000 ADD Insurance
Specifically for Equine Activities.
So, like you, I would never ride someone's horse without insurance...but moreover, I do not ride period without insurance. :)
I suppose what I need help with is drafting clauses against liability for the person's horse....
I mean, hypothetically, what if the horse at some point goes lame? Becomes injured? Whether as a direct or indirect result of my riding it?
There are liability waivers for coaches, stable owners, trainers... just wondering if anyone has seen or has ideas for me to draft a liability waiver as a rider. Unlike the US who has an Equine Act, we here in Canada do not, but liability waivers, as long as they are not trying to waive negligent or illegal behaviour are enforceable.
I just don't want to end up in a situation say where I'm riding or working with a horse i.e. a green horse, who turns up lame and is unrideable due to soundness issues and then have the owner say I made their horse lame or unrideable. With the people wanting me to ride their green horses I've already had the conversation with them that a green horse is basically an untested horse, and lameness during training is not uncommon as a horse learns to bear a rider; moreover that it's their responsibility to ensure the horse is fit for bearing a rider or to be working and that any unsoundness that comes out of conformational issues or from the stress of working for the first time will not be my liability....
Does that make sense??