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Horse Riding School Insurance

Horse Riding School Insurance - ALIGNED Insurance brokers of Canada
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The importance of the right Horse Riding School Insurance

Teaching both children and adults to interact with and safely ride horses is both thrilling and a significant responsibility. Both humans and animals can sometimes act unpredictably, and your responsibility extends beyond simply teaching students how ride, trot and jump a horse. Added to this responsibility is your investment in your Horse Riding School’s facility and equipment. The need to seek the best insurance coverage should be an important part of your business plan. 

You likely own and operate a Horse Riding School because you yourself love the sport and want to share it with others. There are a few simple coverages that can help you do this and minimize your risk. 

What type of Insurance does your Horse Riding School need?

Horse Riding School Insurance
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The most important coverage for your Horse Riding School is Commercial General Liability Insurance. Your business is inherently full of risks, and you need to be covered for the obvious ones and the ones that are not as clear. General Liability insurance covers bodily injury and property damage that may result from your business. More specifically, it covers property damage related to your premises, operations, products, completed operations as well as advertising and personal injury liability.

One of your most important assets is your property, and that includes your physical property and your business assets. With Horse Riding Schools, your business property is often also your home property. You should have separate Property Insurance coverage to protect both.

Commercial property coverage helps cover damages that might occur to your main business property and structures, as well as their contents. Here are just some examples of business property that you may need to insure:

  • Buildings and other structures (leased or owned)
  • Furniture, equipment and supplies
  • Inventory
  • Leasehold improvements and betterments you made to a rented premise
  • Machinery/boiler
  • Electronic data processing equipment (computers, etc.)
  • Valued documents, books and papers
  • Mobile property (construction equipment, etc.)
  • Property in transit
  • Signs, fences and other outdoor property not directly attached to the building
  • Intangible property (goodwill, trademarks, etc.)
  • Business contingency for suppliers
  • Ordinary payroll
  • Extra expenses as a result of loss

Protect your assets from perils associated with losses due to fire or lightening, as well as vandalism and malicious mischief with property insurance. Learn more here.

Cyber Liability Insurance is also essential to protect your customer records and web assets from any breaches or losses. Your customers are your business and it’s important to keep their data safe.

Other coverages to consider include Umbrella Liability Insurance, which kicks in when other coverages are exhausted. This is a type of rainy day insurance that guards against a significant event – you can learn more about how umbrella differs from CGL in Canada here.

If your Horse Riding School transports horses using company vehicles, you should also consider Commercial Vehicle Insurance coverage that goes beyond the average car insurance. 

When do Horse Riding Schools need insurance coverage? 

  • One of your students falls off a horse during a lesson and fractures a limb badly. The parents of the child start action against your company to recoup unexpected costs associated with rehabilitation of the injury. 
  • A lightening strike causes your barn to catch fire. 
  • A horse kicks a hole in your barn wall while upset, necessitating expensive repairs. 

To determine your Horse Riding School business’ unique insurance needs, speak to an ALIGNED agent today. 

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