Why Horse Riders Require Insurance

Horse riders usually anticipate the pleasure of riding, the joy of their partnership with a noble creature. Once astride any horse, the height registers with pleasure or awe, and sometimes trepidation. Whatever the feeling, most can agree there's no denying: it's a long way down to earth. That one tall fact is a more obvious reason why horse riders need insurance. Whether horse owner or not, the rider needs protection from possible accidents. But that's not the only concern riders must face when venturing into any equestrian opportunity.

Besides the rider, the horse is a potential liability. Any mishap that injures the horse adds the extra burden of vet costs, whether the horse is owned by the rider or simply borrowed. Because the rider is responsible and potentially liable for a horse's injuries, possible circumstances clarify why horse riders need insurance. More significantly, horse and rider even risk total debilitation depending on the severity of injury.


Insurance coverage usually applies for ages five to seventy-five and can provide coverage for any number of possible needs including: 1) permanent total disability, 2) liability, 3) personal accident, 4) dental care, 5) saddler and tack, 6) vet costs, 7) school fees, 8) monthly or annual premiums and 9) custodial liability. Some coverage can be enhanced to include participation in competitions and shows as well as travel.

Riding schools provide an example of a unique situation for horse riders and their equestrian insurance needs. Schools can require riders to sign a waiver releasing them from any liability or responsibility to pay for injuries to the rider. Just as these institutions recognize the risk, student riders would do well to follow their example. An inexperienced and nervous rider can cause a series of mishaps simply due to inability to correctly handle unforeseen circumstances. And although horses are typically gentle creatures, there are exceptions as well as exceptional moments when startling noises or activities can cause a domino effect. Each resulting reaction reinforces why horse riders need insurance no matter the nature of the horse. In such circumstances, simple personal rider's protection can be purchased.

Costs of plans vary for riders based on age and levels of experience. Unique coverage options reflect the diversity of possible situations and budgets. Ultimately, the reasons why horse riders need insurance are as understandable as those reasons accepted for car insurance. In spite of the inevitable risks, horse riders can rest easy knowing insurance will cover the most basic or detailed needs so the highest vistas can be peacefully enjoyed.

By: Nicholas Hunt

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Nicholas writes on pet and animal insurance of various kinds, including insurance for horse riders.