Qualifications and Training to Become a Horse-Riding Instructor
To become a certified horse-riding instructor you need to have at least a year of horse-riding teaching experience. You are required to complete oral, written, and practical tests before you are certified. As a riding instructor, your duties include teaching riders how to communicate with their horses. Employers will usually expect you to have qualifications from the British Horse Society (BHS) or Association of British Riding Schools (ABRS). Consider the “What ifs?” such as a student injured by a horse during a riding lesson, or a horse that suffers an injury while being loaded onto a horse trailer.
Insurance Requirements for Horse Trainers
Do you need insurance as a horse trainer?
Cost and Coverage of Commercial Equine Liability Insurance
How much does commercial equine liability insurance cost?
The cost varies depending on coverage needed. For small boarding operations, expect $250 annually for $500,000 coverage, covering up to 4 horses. Extra horses typically cost $40-50 each per year. Rates depend on business size, coverage limits, location, and claims history.
Commercial equine liability insurance protects equine businesses. It covers accidents, injuries, property damage involving horses. Boarders may want coverage in case a loose horse gets hit by a car or injures someone. Those involved in boarding, training, teaching, breeding, sales, etc. need this insurance. Major medical coverage is $175-300 yearly. It helps pay unexpected vet bills, with the owner paying a $150-500 deductible per claim. Most owners also get mortality policies covering theft and death, like "life insurance" for horses. This runs $150-200 yearly for $5,000 coverage. Beyond these common policies, horse farms can get coverage for business disruption, property damage, horse transport accidents, and legal liability. Rates depend on farm size, location, payroll, and other factors. But coverage is important as horses can unpredictably injure people and damage property.