Loss Prevention Tips
As a horse owner or someone who has responsibility for horses, you should be familiar with the unique risks and exposures associated with them. Consider the following in managing your risk:
The Horse
If you own, lease or board horses, you are responsible for knowing their propensities. If you board a horse with others or lease a horse to others, you have an obligation to inform them of known propensities.
The People
This includes, but is not limited to: Employees, Contract Instructors, Students, Trainers, Groomers, Farriers, Veterinarians and Other Professionals.
The Location
Locations include owned land, leased land, public land, private land, event facilities, parades, highways, roads, streets, parks, trails, bridges, rivers, near construction, near loud machinery, trains, airplanes and ships. Transporting includes hazards from loading, traveling and unloading.
The Facility
Shelters need to be designed, built and maintained to minimize animal injury. Fencing needs to be properly designed, installed, regularly inspected and maintained to contain horses. Fencing requirements are horse specific, not breed specific.
The Riders
Develop a written rider assessment method to be reviewed and signed by the rider. Include: approaching, handling, leading and turnout, tying, bridling, saddling, mounting and dismounting, warm up and riding. All riders must be evaluated for their skill level, ability to perform the activity and ability to safely manage a specific horse. That is, this horse, this day, on this ride, with this rider.
Negligence
Negligence is a legal liability that exists when the party causing the accident/injury breaches a duty to the injured party. The duty may be “to warn,” or it could require extensive assessment and instruction. State law and court decisions establish duties and reasonable standards to meet those duties
Liability and Waivers
Equine Liability Acts (ELA) or Equine Activity Statutes (EAS) – Fortyfour states have laws that limit equine owners’ liability for inherent risks IF THEY WARN according to the law. One example is a horse being startled unintentionally from an external stimulus. Know the law to gain the protection.
Did you Know?
We offer a wide variety of insurance products to include Home, Auto, Life, Annuities, Motorcycle, RV, ATV, Boat, Small Business, Rental, Umbrella, and Equine Mortality/Major Medical coverage.
Galvin Agency is here to help you with insurance questions, needs, and claims. We are here to assist you and our job is to make sure you feel protected and knowledgeable. Thank you for your business and we look forward to talking with you soon!
No person associated with this news letter receives any form of compensation for any products mentioned, nor should any mention of a particular product be considered an endorsement of that product. This newsletter is for informational purposes only and should not be considered authoritative on any topic. Please seek advice from an appropriate professional on any specific issue.
