why do some diy yards insist owners have horse insurance?

[Tnavas]

^ This - tnavas, I expect my yard to be insured *appropriately* but why would I expect that to cover me if my horse boots a car etc. while out on a hack or at a show (and then there's the moral inclusion of same thing happening while on the yard)? Hardly anything to do with the YO, which is why third party is so important, as others have said.

Little confused here! - YO insurance should cover ALL that is entailed in running the business of looking after someone elses horse. Eg - If the livery trashes a box then the YP insurance covers it. If a YO insisted that I had to have vet cover and tack cover then I would not be using their yard - It is up to the horse owner what extra insurance they have.

The owner is responsible for the horse while it is not in the care of the YO - eg on a hack or being led across the yard where it kicks another liveries car.

Any sensible owner has 3rd party insurance especially if they are on a communal/public yard, go out on the road or go to shows.

 

[MissChaos]

Quite; apols for any blonde moment but wasn't clear from your first post that you have third party and said view

 

[Littlelegs]

I think in regards to horses damaging rugs or normal minor scraps there's no moral obligation to compensation, let alone legal. If a horse on my yard gets loose & damages my car, yes, I'd want it paying for. But if the same horse ripped my rug whilst it was on my horse, or kicked her that's unfortunately what happens, horses will be horses. Agree if my yo or a fellow livery stuck a stallion in the field with my mares I'd be taking someone to court (& probably going myself on a gbh charge).
Would ask a yo to intervene if one horse was a perpetual rug ripper or bully but not after a one off. I feel no moral obligation to repair the rug my daughters pony ripped whilst playing with another pony. Neither do I expect them to buy mane extensions where their's chewed some off one day.

 

[Luci07]

It was my understanding that you as the owner are responsible for damage your horse causes, even of not your fault ( thinking of walker leaving gates open or pigs deliberately letting out horses - which happened to me). Should be obligatory but never thought that someone could go after the YO - could possibly understand if say fencing was poor. However could it not then be argued that if you knew the fencing was poor and still chose to put your horses out the it's your problem? Either way, I am going to notify my own YO of this and going to check my cover. I do have fully comp on both horses but am now intrigued on some of the points raised. In our yard btw, a habitual rug ripper would be turned out solo in the winter to avoid the fall out.


I am not on a DIY yard but obviously liabilities would be the same and yes, yard does have insurance but none that would impact me, with the exception of riding and handling cover for staff caring for my horses.