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AS an instructor, you obviously need insurance cover to protect you in the course of your commercial activities. Anyone involved in business-related equestrian activities should have public liability insurance.
Equine/Stable Liability will be required; Care, Custody, Control to provide coverage for the non-owned boarded horses; General Liability and Property insurance.
A liability waiver, or release of liability, is a legal document that a company or organization has you sign in order to protect them from being sued in the event that you are injured.
The cost of boarding averages $400 to $500 per month but can go as high as $1,200 to $2,500 in metropolitan areas. Services such as mucking out stalls, feeding and turning out your horse to pasture may not be included in the price. For those lucky enough to own sufficient land, there are still costs to consider.
Scope out legalities. Consider zoning, business permits and your state's lien laws. Evaluate your facilities. Investigate the cost of liability insurance. Research your market. Crunch the numbers. Draw up a legal boarding contract.
200bStart the letter off with a clear explanation regarding your request. For instance, explain that you're requesting certain fees or charges to be waived or to be released from a previous engagement. Communicate any supporting or relative dates, names of parties, monetary figures, or venues as facts.
Horse Insurance Cost In general, you can expect to pay roughly $150-200 per year for $5,000 worth of major medical coverage expenses. Surgical coverage rates vary widely. Mortality premiums are based on the age, use, and value of your horse.
On top of the Full Mortality (life insurance) on your horse, you should consider Major Medical Insurance (health insurance). Upwards of 90% of the claims we see in our office are Major Medical claims, and not mortality claims. Horses tend to get sick or hut more than they die.
Get help. Writing a waiver should not be complicated. Use the correct structure. Proper formatting. Include a subject line. Include a caution! Talk about the activity risks. Do not forget an assumption of risk. Hold harmless.