Are you thinking of starting a riding club? The first thing you will want to do is draft your By-Laws and establish the club as a legal entity. Then for the protection of all of your members, you will want this new entity covered with a Riding Club Liability Insurance policy.
Club insurance for equestrian organizations is available for non-profit clubs (or not for profit) that are incorporated. Decide early on if you want to apply for 501(c)(3) status as the purpose or mission statement in your By-Laws needs to be worded very carefully. Seek professional advice in this regard. Then turn to a professional equine insurance agent to obtain your liability insurance.
Clubs that organize events such as clinics or horse shows that are open to the public or that participate as a club in activities such as parades, exhibitions or demonstrations, will need this policy. Note that members are included as additional insured on the policy when performing duties on behalf of the club.
The policy’s principal coverage is for third party Bodily Injury and Property Damage claims that arise out of club organized and approved, supervised activities. (Be aware of the policy exclusions that apply.) The policy also includes Medical Payments to non-members due to an accident arising out of club operations and Personal and Advertising Injury Liability.
The application for Riding Club insurance will ask you to declare all of your public event days. Include requests for Certificates of Insurance for any individual or entity that needs proof of your insurance or needs to be an Additional Insured on the policy. During the policy year, be reminded that you must give your agent written notice of any added or cancelled events.
As always, you are urged to read the policy and brief your members on what is covered and what is not. Discuss all coverage questions with your Blue Bridle agent, specialists in equine related insurance.