Insurance for Charity Ride Events

[SFrost]

Does anyone know anything about liability insurance for for horseback riding charity events? (Like Saddle Up for St. Jude, just an example.)

All proceeds for the event would go to the National Pancreas Foundation, but at this point it is just an idea. I have clue about the insurance aspect of these things.

I’ve ridden in several Charity Event rides, but never thought about the administration aspects of things.

Since this is right now just an idea, I am interested to hear any advice others have to offer. I recently met the chair for for foundation for this region and mentioned the idea to her and she thought it would be cool. I also thought about a charity show, but I think we could get more people if it was a trail ride event. So it caters to all types of riders. Heck, we could even do a show and a trail ride if we’re feel ambitious.

Thanks in advance for any ideas you may have on these. Again, every dollar made would go to the foundation and not any one person. I think it would be a great way to get the community involved.

[Mango20]

Maybe the charity could cover the event under their existing liability insurance.
My only experience with such things is through Pony Club. The national organization has a policy which covers all clubs. What each club needs to do is enter locations and dates of events (and whether they’re for members only or open to the public), and pay the fee per location ($15 for the year for members only, more if open to the public - maybe $50). If you can work a deal like this with an existing policy, it will be much cheaper than getting an entirely new policy.

[Jealoushe]

Yes, the foundation putting on the charity ride can get the insurance from a commercial insurance brokerage. It shouldn’t be all that costly. They can speak with their broker about adding coverage for this day.

[HungarianHippo]

For the TR center I volunteered at, we’d need a rider for any event off-site (or any event that did not fit within our normal activities of TR & hippotherapy sessions ). I think it was only about $150 to do something like an off-site demonstration, but this was for our certified staff using our own horses in well-defined / controlled event. I’m sure the cost will be much higher for a large group ride where there’s no effective control over what happens.

[cowgirljenn]

We’ve had to do single event insurance before for events that weren’t covered by our regular policy. The amount depends on what you are doing, how many you believe will attend, etc.

If another organization or a company puts on a benefit for us, their insurance is the one covering it (and we clarify that before they do the event).

[furlong47]

You can buy insurance coverage for a single day event, and it really isn’t all that costly. You may have other options as well (our club which runs charity events joined the state equine council, which offers event insurance for less than it would cost us to purchase it ourselves.) The money you make at the event ends up covering your costs with the rest as the donation, or you can search for sponsors to help cover the costs so all of the money earned can go to the charity.

[Donkerbruin]

Just give an independent insurance agent a call. They’ll be able to broker out a special event policy for you.