I have a small private barn - no boarders, no business with anything horse related, just my horses. I currently have an instructor come to me weekly, who has her own insurance, but am also planning to have another outside instructor come 1x/2x monthly in the future. Other people in the area (2-3) are planning to come take lessons on my farm with this person.
I currently have standard homeowner’s insurance and a $1 million umbrella policy. I’m in the USA (perhaps obvious due to the nature of the question).
Do I need any other insurance to protect myself and farm? I don’t have a waiver to sign since I haven’t had outside riders at this point. Do they carry any actual legal protection? I’ve been told they’re basically worth the paper they’re printed on, but I am not a lawyer and the lawyers I know don’t do this type of law. What about “equine liability” signs?
It’s hard locally as people have a sort of, “that doesn’t happen here” attitude about lawsuits, but all it takes is once! I reached out to my insurance agent, but was hoping the equine group here may have additional info. Most other threads seem to be in regards to businesses, so I wasn’t sure in this case.