What do 'waivers' or 'releases' cover? (Canada)

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What do 'waivers' or 'releases' cover? (Canada)

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  • Horse waivers Ontario Canada

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    05-23-2013, 04:35 PM
What do 'waivers' or 'releases' cover? (Canada)

Do they do any good at all?
Specifically looking for information in Canada (BC), even if you can push me in the right direction (apparently I can't navigate google as well as young adults should be able to )

In essence, I want to know how much a liability waiver or release protects you, the owner, from issues if others are riding your horse. They're all the rage here, but I wonder if they're actually WORTH anything. I'm going to be putting my pony up for lease again this year, but this time to the public, not someone through our ponyclub. We had waivers last year in the lease agreement AND the rider was insured (I will be asking all riders to make sure they're insured) but what if the family wants to bring another kid out for a ride? A sibling, cousin or friend? Should I have any coaches they bring on the property sign something? If the COACH isn't insured, and the kid gets hurt, being as they're on our property and our pony can we be held responsible? What if I'm asked to give a quick lesson (I was asked regularly last year)?

Lots of questions here I know hopefully someone aware of the 'legal side' can help me out, or at least knows of a site they can point me towards. I'll also write up an email to the insurance company that offers coaching and equine liability insurance.
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    05-23-2013, 05:50 PM
First hand, I worked as an automobile claims adjuster for a large insurer for 6 years in Ontario. My boyfreind at the time was a bodily injury claims adjuster for the same insurer. He has seen people lose everything ( house, cars..) because of bodily injuries claims reaching millions of dollars..Laws and coverages vary from province to province. Better be safe then be sorry..

I would strongly recommend that you call your insurance broker/agent to discuss it with them and ask your broker all your specific questions. If you don't always deal with the same broker-agent, make sure to note his/her full name and the date and time you talk to him/her(just in case) as brokers are licensed to discuss about policy coverages and will be able to answer your questions accurately.. Good luck ;)
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    05-23-2013, 05:52 PM
    05-23-2013, 06:26 PM
Waivers aren't a DIY kind of thing - I would ask for professional help.

But for info on laws in general, here is where you search: BC Laws

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