dressage_diva
Well-Known Member
I'm sending my horse away on sales livery and they have asked for liability insurance in case any potential buyers have an accident on my horse whilst he is being tried.
This got me thinking, do those of you who have your horses on livery where they are either cared for by other staff or exercised by other riders have specialist liability insurance? I've had several horses on full livery but have never had specific policies for covering any staff riding them - I'd assumed that they would either be covered by my horse insurance (which has liability), or for my horse which isn't insured, would be covered by my BD member's liability insurance (it turns out that doesn't include livery because they consider it a business even though it's not my business!) or would be covered by the livery yard's own insurance.
Now I'm wondering if I need a special policy to cover liability of my horse's whilst they are on livery in case they either cause damage/injure a handler/rider when someone other than me is handling them?
Anyone have any advice?!
This got me thinking, do those of you who have your horses on livery where they are either cared for by other staff or exercised by other riders have specialist liability insurance? I've had several horses on full livery but have never had specific policies for covering any staff riding them - I'd assumed that they would either be covered by my horse insurance (which has liability), or for my horse which isn't insured, would be covered by my BD member's liability insurance (it turns out that doesn't include livery because they consider it a business even though it's not my business!) or would be covered by the livery yard's own insurance.
Now I'm wondering if I need a special policy to cover liability of my horse's whilst they are on livery in case they either cause damage/injure a handler/rider when someone other than me is handling them?
Anyone have any advice?!
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