Nari
Well-Known Member
I would expect the insurance company to take this up rather than yu having to deal with it. Have you notified them yet?
There is nothing wrong with 1.4m double strand electric fence - the problem here is a horse that habitually jumps fencing. I have every sympathy for the OP, it's an awful situation to find herself in - but it is not the yard owners fault (or anyone's fault). They provided fencing that is perfectly adequate for the majority of horses, and is perfectly safe. It's just very unfortunate that the OP's horse is one of the few who will jump out if the fancy takes them - there's nothing a yard owner can do to prevent a horse jumping out if it really wants to, other than spending a bloomin fortune building stallion fencing.If you pay for livery services then a part of that is the yard providing safe and suitable fencing. If the horse has escaped before you could argue that the fencing isn't safe or suitable. There should definitely be some liability on the yard but this is just my opinion.
this ^^There is nothing wrong with 1.4m double strand electric fence - the problem here is a horse that habitually jumps fencing.
the yard will have to do everything reasonable practical to prevent harm. If its a business employing more than 5 people (i believe) these risk assessments should be written down and recorded. They should have a risk assessment for t/o including fencing which should be reviewed at regular intervals as aswell as after an accident, incident or near miss.
What im getting at, is that the fencing/field situation should have been reviewed after the first incident.
Did the YO do anything to reduce the harm that can be caused by field jumping after the first incident? was the fencing altered/upgraded, was the horse that caused the injury a known kicker? (eg you wouldnt t/o a horse thats a known kicker, next to a horse known for jumping fences)
Did the yard owner, do everything reasonably practical to prevent harm to your horse?
the yard will have to do everything reasonable practical to prevent harm. If its a business employing more than 5 people (i believe) these risk assessments should be written down and recorded. They should have a risk assessment for t/o including fencing which should be reviewed at regular intervals as aswell as after an accident, incident or near miss.
What im getting at, is that the fencing/field situation should have been reviewed after the first incident.
Did the YO do anything to reduce the harm that can be caused by field jumping after the first incident? was the fencing altered/upgraded, was the horse that caused the injury a known kicker? (eg you wouldnt t/o a horse thats a known kicker, next to a horse known for jumping fences)
Did the yard owner, do everything reasonably practical to prevent harm to your horse?
I agree with Amymays comment as it had happened before but the horse continued to be turned out. The only way around that would be if you were on full livery and unaware of them turning out in the same field, then you could go down the yard owner route of a claim.
But OP says it was the yard staff who continued to turn out the horse in the same field, with, apparently, the same conditions. Everyone concerned, imo should have been able to foresee the possibility of serious injury to either OP's horse or one in the other field, that is the art of horse-keeping and YO is the one who is charging for the provision of care. I would speak to the ins company and ask for their advice. I would expect YO to have yard insurance for this eventuality.
Until the horse skids into it and stakes itself on a broken post. Or tries to jump it, doesn’t make the height, turns over and breaks neck on impact. Both of which I’ve seen.
Honestly these posts aren’t helpful. Horses injure themselves in all sorts of ways. I do think plastic posts and tape are less than ideal but they are a widely accepted fencing in many equine circles.
But OP says it was the yard staff who continued to turn out the horse in the same field, with, apparently, the same conditions. Everyone concerned, imo should have been able to foresee the possibility of serious injury to either OP's horse or one in the other field, that is the art of horse-keeping and YO is the one who is charging for the provision of care. I would speak to the ins company and ask for their advice. I would expect YO to have yard insurance for this eventuality.