[QUOTE=Where’sMyWhite;8721159]
A visit should be different than actually boarding one’s horse at a barn. A barn that may be perfectly suitable for the occasional differently abled visitor may easily not be suitable for a boarder (excluding those with temporary disabilities).
In this case, not sure what you mean by “approved”?
I can’t speak for individual zoning requirements with respect to being ADA compliant but from a strictly personal perspective… I tell you I am in a WC. We (BO and/or BM and myself) discuss what I might need to access the part(s) of the facility I am interested - say watching DGD take a lesson. We discuss primarily “footing”… my personal guideline is if you can ride a road bicycle on it, a WC will work. Stairs? Usually not an issue. Bathroom, no grab bars and small - ok, I don’t use it.
Done.
I would personally not be expecting any changes to be made on my account. I would be expecting to know what the facility is like and see if I think it will work. That may also mean that I do show up and find out it won’t work (done that before with dog activities… thought they would work but didn’t).[/QUOTE]
I agree, regular insurance probably covers ALL mobility challenged visitors who just want to watch other riders and occasionally pet a horse that someone else is holding. I, and I think most of us, would be happy to find a wheelchair user some way to do that. Might suggest someplace other than the barn isle if the isle is narrow, but not out of any desire to make life difficult.
My question was specifically about mobility challenged boarders who want to take out, handle, and ride their horses independently. If I were the theoretical BO, of course I’d be happy to work with a WC using rider to find ways that they could handle and mount their horse in a way that’s safe and reasonably workable for everyone.
But I would have to be aware that my insurance company agreed to insure me for my current rate only under assumption that I am enforcing ‘usual and customary safety procedures’, even if they normally never check if I am or not. It isn’t fair that someone has to use a chair. It also wouldn’t be fair if the insurance can cancel coverage, potentially shutting down the boarding business, if they hear secondhand that I allowed ‘alternate procedures’ which seem to the agent to be higher risk than the usual. Insurance companies survive by being risk-averse bean counters, and they know and get nervous about horse handlers who seemingly aren’t up to the usual physical norm for achieving the normally expected amount of physical control over a spooking horse. Because that’s the angle that a personal injury lawyer will pounce on, unjustly or not, if anyone else brings a claim. And because the ‘usual level of physical skill’ is what they used in their actuarial tables when setting the barns insurance premium, like it or not.
So as BO, best practice in risk reduction for me would be to call my insurance agent, explain our mutually agreed on alternate procedures, and try to get a written and signed statement from my insurance that they agree your APs are reasonable and covered under my policy. If the agent is leery, it may be that I can best defend your horse handling by inviting the agent to come out, meet you, and see you demo that yes, your procedures do work and don’t constitute a significant change of risk.
SO, actual BOs with a real life clue about boarding situations (my experience is with other than insurance agents), would you see need for a conversation like that with your insurance agent before taking in your first WC using boarder/handler/rider? Would your agent/ company care? Just want to be informed in advance? Pitch a fit?
Again, I and others would want to accommodate para horse people, and doing that respectfully without endangering the business does require answering some issues like these as part of saying ‘yes’.