Lessons?- Insurance? HELP!

[lubbubba]

hello All

i am leasing my horse out on a share agreement where she just pays for livery , and we pay the rest. she is struggling with my horse, am i legally aloud to give her lessons in exchange for money. she is getting her own insurance and i insure the horse , the horse is stayin at the yard i put her at.?

 

[Divasmum]

I am not sure if I have understood the question but surely the rider should be paying for lessons with a trainer.

 

[trundle]

I don't see why not, actually (but am prepared to be proved wrong). You are not doing anything that could be interpreted as "running a riding school", presumably the loaner has full use of the horse all the time, so essentially you are teaching someone on their own horse. I wouldn't teach anyone who didn't have their own insurance in place though.

Have you got a written loan agrement in place? Is this a loan (loaner has full use of the horse, pays for the horse's day-to-day costs) or a share (where they only have certain days and pay a proportion of the costs pro-rate)?

 

[trundle]

By the way, you might want to check the yard policy on lessons - some yards only like properly-qualified and insured instructors teaching on their land.

Say you are teaching this girl, and the horse throws a strop and bucks her off into the arena fence. The fence is broken, the horse cuts its leg, and the girl breaks her arm. Your insurance pays for the horse's vet treatment, the girl's rider insurance covers her injuries, but who pays for the damage to the fence? If you have no public liability insurance, you may well be held responsible.