Insuring someone to ride your horse

[SEL]

Person concerned has BHS gold membership, but that's no good if I want to pay her - which I really need to do.

I'm not bothered about insuring against damage to the horse, but I do want to cover myself against something like the horse getting her off while she's riding and getting onto the roads and causing an accident.

Personal liability seems to be only for me riding rather than someone else riding my horse. Any ideas?

 

[AFB]

Person concerned has BHS gold membership, but that's no good if I want to pay her - which I really need to do.

I'm not bothered about insuring against damage to the horse, but I do want to cover myself against something like the horse getting her off while she's riding and getting onto the roads and causing an accident.

Personal liability seems to be only for me riding rather than someone else riding my horse. Any ideas?

I think it would be her place as the 'professional' to insure for public liability whilst you're paying for her service? Happy to stand corrected though.

 

[ruth83]

When money changes hands, the person earning the money should be the one arranging the insurance as they are providing the service.

You could try speaking with insurance companies and seeing what they suggest, but I believe they will just reply with the above

 

[peanut]

I'm interested in this one as I'm considering a sharer.

How would you cover yourself for personal injury to the rider. I'm concerned about the rider suing me if they are injured (I recall a case in the paper not that long ago).

 

[SEL]

When money changes hands, the person earning the money should be the one arranging the insurance as they are providing the service.

You could try speaking with insurance companies and seeing what they suggest, but I believe they will just reply with the above

I have a feeling it won't be worth her while if she has to pay out for insurance. The horse is insured with KBIS so I'll give them a ring.

 

[Goldenstar]

My horses are all insured for liability if they are loose and cause damage after a person being paid falls off it’s incredibly easy cover to get and very very common .
Mines on the house/buildings land cover from the NFU.

 

[Goldenstar]

When money changes hands, the person earning the money should be the one arranging the insurance as they are providing the service.

You could try speaking with insurance companies and seeing what they suggest, but I believe they will just reply with the above

This I saw not true .
The rider would be liable if they had been negilent by falling off not an easy thing to prove .
The owner of the horse would be liable for the damage caused to property by there horse if negligence was proven .
If a human is hurt the owner of the loose horse is liable whether they are negilent or not .

 

[DancingCob]

Is she self-employed? Any earnings will be subject to tax and NI. If she’s employed by you then you’ll need to make the arrangements, as well as sort out pension contributions. If she’s self-employed it’s down to her but you have to see evidence that she is self-employed or you could still be held liable.

Insurance wise, if you’re paying her to ride your horse you will need employee liability insurance. Legally speaking you would also ideally need a contract and to provide payslips.

I realise you’re probably wanting a casual arrangement without all those hassles but you can’t get around them, even if you’re only paying somebody for an hour a week.

Probably a better option would be to have her ride your horse without payment and then give her ‘gifts’ such as vouchers on an ad hoc basis. It’s still a bit dubious though!

 

[SEL]

My horses are all insured for liability if they are loose and cause damage after a person being paid falls off it’s incredibly easy cover to get and very very common .
Mines on the house/buildings land cover from the NFU.

Thanks -will look into this. obviously wouldn't send anyone out on a horse i didn't think would behave, but falls happen and if horse heads home I would want to be covered if someone crashes as a result.

 

[Shay]

Sounds like you are really talking about third party liability? You should have that as part of your normal horse insurance; or from BHS Gold etc. If you are talking about personal injury cover for the rider - they really need to sort that out themselves.

If they accept payment for riding (even if the payment is vouchers, gifts, hospitality etc.) they will need to declare the income for tax / NI. Legally there isn't a de minimus for cash in hand - although I accept HMRC are not really going to be going looking for someone earning what is little more than pocket money on top of their normal job. If she doesn't self declare and gets caught you could be equally liable so it does take a bit of thought.

Red tape. Its a nightmare!

 

[Leo Walker]

3rd party liability wont cover anyone you are paying to ride or handle your horses, so its down to her to organise, or for you to get employers liability which would be a total nightmare!

 

[Theocat]

You need both: you need third party to cover the horse running amok, and the rider needs their own to cover injury to themselves.

 

[sport horse]

I guess if you are paying someone to ride your horse you are effectively employing them and you will need Employers Liability Insurance and that is expensive.

If they are Freelance and registered as self employed then they can give you an invoice and it is their own responsibility to insure themselves.

 

[Leo Walker]

You need both: you need third party to cover the horse running amok, and the rider needs their own to cover injury to themselves.

I specifically asked this. If you are paying someone to ride or handle your horse they are responsible not you and your 3rd party insurance wont pay out. It made me a lot more careful about who I paid to do mine!