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INSTRUCTOR'S LIABILITY... WHEN YOU NEED IT, WHEN YOU DON'T
All of the above need liability protection. The only time you are a fully covered instructor without expense to you is if you work exclusively for one farm as a full time employee and the farm has coverage for lessons. You are then part of the farm operation. There is no coverage for a Freelancer who comes in to the farm to teach unless the Farm specifically lists that person on their policy and pays an additional premium.
Contrary to popular opinion, instructor's liability is not an expensive proposition. For the basic Freelance instructor who only gives lessons on other peoples horses, $300,000 liability can be obtained for about $450 per year with 4 payments available. If you were to add sales of horses and your own horse, the premium would rise to about $600. The latter also provides coverage in case your own horse causes injury or property damage to to others. And, the best part is that you are covered anywhere, anytime.
I am aware that the American Horse Show Assoc., offers instructors E&O otherwise known as Professional Liability, but that is too limited in scope for the needs of an instructor.
So, when do you need coverage as an instructor? 99.9% of the time. People feel that if they don't have assets they don't need to be insured, but every one of us has assets - a car, saddle, equipment and most of all a FUTURE.
If an accident occurs whether you are at fault or not, YOU CAN BE SUED. The cost of defense is included in your policy and is a very good reason for insuring ones liability. No matter how careful a supervisor you are or how safe and reliable your school horse is, if someone gets hurt in an accident, there is a chance you will be sued.
If you would like to contact us, need additional information or have questions, please feel free to email us. |
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