SEL
Well-Known Member
Whereabouts in Bucks are you?
A local yard has a xc course running around the edge of several fields. It's open for use by liveries and non-liveries and you have to sign a disclaimer with the usual sign your life away type disclaimers before riding round.
I know another yard in the area had a similar set up but for liveries only and they ended up removing the fences as the insurance costs were astronomical.
Surely if you have asked your insurers youre better to listen to their advice and not advice from people on a forum? Im a YO and we have several XC jumps around our land, in my health and safety policy, which I make sure everyone signs to say they have read it, I state that these jumps are for my own personal use, however if clients choose to make use of them they do so at their own risk. Its a very grey area though so tread very very carefully. My insurance is extremely expensive in relation to the number of liveries I have, but sadly thats the world we live in, litigious! If I knew now what I knew 23 years ago when I started, I would never have set my yard up. Im in a very fortunate position though luckily for my liveries, I dont rely on the income from it thank god! Btw, I have been sued twice in 23 years both times for something that was the clients fault, so please whatever you do, make sure you have insurance, dont think it will never happen to you!XC liability question.
Hypothetically if I was to put XC jumps around a field margin for people to jump where do I stand liability wise?
I have asked my insurers just wondering if anyone has any experience of such a issue.