Trainer Responsibility - The Horse Forum
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post #1 of 3 Old 05-20-2012, 08:09 PM Thread Starter
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Trainer Responsibility

How much responsibility does a trainer have when it takes on a horse in a professional capacity? What about injury or death of the horse?
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post #2 of 3 Old 05-20-2012, 08:19 PM
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A professional trainer should have a liability policy that covers horses in training.

If a horse is injured or dies while in the trainer's care, whether or not the trainer is responsible depends on the circumstances surrounding the injury or death. If the horse gets injured through no fault of the trainer's, for example, frolicking in the paddock or colics, I would expect the owner, and the owner's full mortality policy to come in to play.

If the horse is injured or dies as a consequence of the training, for example, flips over while being lunged in side reins, crashes a fence, etc, then I would expect the trainer's liability policy to kick in.
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post #3 of 3 Old 05-20-2012, 08:20 PM
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That is a great question, that , in spite of sending several horses to trainers, has not crossed my mind, really. The last trainer tho, required mortality on any horse he takes. I think that is because he lost a barn full of reiners back in the 80's. Other than that, I have always assumed, my horse-my responsibility-but, I am always actively involved with the trainers I hire, too. I am there as much as humanly possible. THis trainer-about a week a month, but they have a system by which an assistant is in charge and intimately knows each horse, which is why when he coliked a month ago, they really caught it early. Most-I am there at least 3-4 times a week. I can be pretty confident that if something happens it would have happened with me or them, and is part of horse ownership. However-I do not own a really pricey horse. The insurance and answer may then be different.

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