We’ve been looking at hiring a few part-time workers to muck out stall and help kids tack up before lessons (as in 5 hours/week at most which would be compensated through a barter agreement: riding lessons in exchange for barn help basically).
We’re struggling to find worker’s comp coverage as the payroll would be so low (and many companies apparently don’t cover horse related activities) - and the insurance provider we get our Commercial Liability from doesn’t offer WC.
Our State as an agricultural employee exemption - but do lesson barn help count as “agricultural employees” (I’ve been reading the Federal Code and the state code but they’re mostly talking about racehorse operations and breeding operations).
Any advice?