- Riding Academies/Hunt Clubs
Insurers that specialize in writing equestrian liability and horse mortality also write this coverage. Riding academies or schools are especially difficult risks to insure because the participants are often either beginners learning to ride saddle horses or are experienced riders attempting to acquire new skills, such as jumping. Riding academies also stable horses for owners who ride their own horses on occasion but will permit the academyâ€™s owner to use the horses for riding lessons or excursions. The academyâ€™s owner has a care, custody, and control exposure for these horses. The riding academy may also conduct special events, such as rodeos, horse shows, and jumping competitions. These events add a spectator liability hazard.
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