Same. I need either a ground person or a buddy on horseback in case somebody needs to call for help.
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Those who pay won’t have to worry about him going off like a crazy person. 
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It sounds like you allow pre-approved trainers to teach lessons there, but your facility is not open to the public for schooling. Quite different. My guess is that you are taking on additional liability by essentially agreeing that those professionals you allow onsite are qualified to teach xc tbh but I’m not an attorney.
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Just curious. How did that turn out?
I would think that an occasional loose horse would be a fairly predictable possibility in any setting where there are horses.
Because… horses.
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I had a similar situation where I was injured due to another riders negligence. They chose to gallop like crazy people past several others walking towards to jumping area. Obviously this behavior had upset some horses but was never corrected by management.
They happened to do it again past a group
In which I was riding on my green horse who lost his S . I came off and broke my hand and arm.
I went off in an ambulance. My insurance company handled it and I guess went after this facility because I never got any bills not even for my deductible.
Kinda surprised by these stories of insurance recouping from the facilities. I fell off when I was a kid (mid '00s) with life threatening injuries. Trainer told me to kick some dirt on my puke and get back on. Which I did, which exacerbated life threatening issues. Six fig medical bill later insurance tried to go after trainer for negligence but weren’t able to recoup anything.
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I can’t speak to everywhere but I ran the equestrian program at a school where I taught. We used outside facilities and trainers. I school was required to carry liability insurance with this trainers and facilities named as insured.
I don’t know if all foxhunts do this but we have a liability policy indemnifying landowners.
I never blame the facility …I pay for my insurance and they can damn well cover it. So I always say I tripped over the dog at home. Seriously businesses will not be able to afford insurance if we can’t manage our own self at a venue
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That’s what I do too except with going off in an ambulance and all the actual
Location was recorded so it was all for the insurance to do whatever they did.
Someone else mentioned a foxhunt, this was actually at a foxhunt sponsored function so since they have insurance through the MFHA and each rider is covered under that I’m sure that was involved somehow. In any event it is what it is and I never heard another word about it other than my insurance company investigator coming out to ask me what happened and for a statement . This happened in 2023
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I live and work in the same location and when I slipped on the ice and twisted my knee my insurance called and set letters asking why it wasn’t being covered by workman comp. I was like because it happed after work🤦♀️
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Our local equestrian club here in Australia (arenas + xc schooling) requires you to be a member of Eventing Australia and the club itself, both of which cover liability insurance. Pretty sure instructors also have to have insurance, but then again we’re in a different country with different laws.
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Yep - common misconception that your insurance can’t go after another party. In theory insurance pays up front and then tries to figure out how to get their money back. Nothing to do with your relationship with the other party just how insurance works.
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When I came off my horse and cracked some ribs a couple of years ago, I explained it as “slipped on icy steps and fell” so the insurance wouldn’t involve my boarding barn owner.
That did lead to me being labelled a “fall risk” for a while 
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My ex was constantly hurting himself at crossfit and he actually got a letter from his insurance company to explain what happened and where it happened. He never mentioned crossfit again to his doctors because of the hassle. Honestly he was in no shape to be doing crossfit because he was inconsistent in attending.
We all have that barn mate who falls off monthly even if the horse coughs because they fold over on the neck in fear…they had better never mention the barn name 
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I once had to get stitches after a minor oopsie with my own horse. That was it … no giant medical bill or hospitalization, just the ED visit and a few stitches. I got a letter from my insurance demanding to know the circumstances, who owned the property where it happened, etc.
I really hate that insurance can sue even when situations where the person does NOT want to place blame, is not the litigious sort, and was willingly accepting the risk involved in participating in a sport or activity.
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Where I help out, we have lots of eventing-focused barns in the area. As a result, trainers will bring a group from their barn, or a trainer will meet clients there. But there is no requirement to have a trainer. We do have someone who usually helps check people in… but it’s impossible to have someone there all the time.
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Insurance does not “sue”, it subrogates. Subrogration is typically regulated and not optional. Good luck getting your contracts approved by a regulator without including coordination of benefits and subrogation language. It’s not an optional sort of thing. But most importantly, when an insurer subrogates a claim, all the carrier is seeking is the expenses they have paid or the available limits of the policy payout not to exceed the incurred costs (10 k personal injury in auto insurance is a classic example of a limit which often falls below the actual cost of treatment).
You may choose to sue someone for humpty bjillion dollars because their dog spooked your horse, he bucked you off and you broke your arm but all your insurance carrier can legally claim is the expenses incurred in paying for your injury.
If you initiate the lawsuit there is a chance the carrier will just be awarded their expenses to be paid out of your settlement, but it’s the same thing.
Also you did agree to abide by those subrogation and coordination of benefit requirements when you signed that enrollment form, so violating it isn’t an entirely risk free decision, although it’s not a high risk decision unless you have a very expensive claim where considerably more attention is paid to it.
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I dont decide if they are qualified to teach or not. But if they have the correct insurance with my added insured names, then they can make an appointment to come school.
Regardless of the proper terminology, even if medical insurance companies are “only” going after landowners and whomever they could possibly assign a little bit of fault in the injury for enough to cover the medical expenses and not additional money beyond that, I don’t like it and feel like it plays a large role in the continued dwindling of places that riding is allowed. What landowner wants to deal with some person’s insurance coming after them to foot the bill because they generously allowed riders to hack on their property and one of them fell off and broke their arm? It’s much easier to just say nobody is allowed to ride there, even if they otherwise wouldn’t mind having riders or even would welcome it. And of course landowners, barn owner, trainers etc. should carry their own insurance, but the fact that medical insurance companies can come after them for payment when there was not actually any negligence on their part or any desire by the injured person to place blame means it’s more expensive than it should be.
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In my situation, unsafe behavior had been observed by this group in the recent past an fb had not been addressed, corrected or discouraged.
Then it happened again and that was when I got hurt. I think that was the crux of the whole thing.
