Top Five Foolish Reasons Not to Get Liability Insurance

If you have an equine business, no matter how small or unprofitable it is, you need commercial liability insurance. Period. Here are some of the common reasons we hear about why trainers, boarding stables, and other equine businesses do not have liability insurance, and why those reasons don't make sense. 

 

What Kind of Insurance Does a Trainer Need?

If you are training horses and receiving compensation for training, you will need insurance. Although Equine Legal Solutions is a law firm and does not sell insurance, we often assist clients in determining their coverage needs and in negotiating coverage issues with their insurers. Here are the types of insurance we recommend, and reasons why they are advisable to have.

Equine Legal Solutions Horse Law Blog
Get insights, advice and an occasionally a good chuckle about anything related to horses, horse people and equine law.

Reasons Not to Foreclose on an Agister's Lien
Non-paying boarders and abandoned horses have always been a significant problem for boarding stables, and judging from the volume of calls we receive at Equine Legal Solutions, the problem is escalating quickly. While state agister's lien laws typically provide the boarding stable with an automatic lien on the horses for unpaid past due board, foreclosing on that lien may not make sense. In this new article, we discuss when foreclosure is not practical, and other options that the boarding stable may have.

The Legal Landscape of Horse Sales
At Equine Legal Solutions, we receive calls from thousands of dissatisfied horse buyers who want to know what their legal options are. In this new article, we walk you through the legal landscape of a horse purchase.

Equine Partnerships:  Traps for the Unwary
"Partnering" on a horse can be extremely risky, particularly because partnerships often have more legal meaning than the parties intend.
In addition, many horse industry relationships are actually partnerships, whether the parties realize it or not.




New Horse Property Lease Agreements
We are pleased to announce the launch of two brand-new forms, our Equine Facility Full Lease Agreement and Equine Facility Partial Lease Agreement. Designed to protect both landlord and tenant, this new form is designed for situations where a horse property owner wants to rent out the horse facility portion of a property to a trainer or other person who will keep horses on the property but not live there. For more information about what these new forms include, see Preview Our Forms.  Another new form coming soon:  Equine Facility Residential Lease Agreement.

New Equine Consignment Sale Agreement
We are pleased to announce the launch of a brand-new form, an equine consignment sale agreement. Designed to protect both sales agents and sellers, this new form is designed for situations where a horse owner consigns their horse to a trainer or other sales agent for sale. For more information about what this form includes, see What's In Horse Contracts & Agreements.

New Boarding Agreement Package Just Released
Equine Legal Solutions is proud to announce the release of a new version of its popular Boarding Agreement Package.  The updated package includes:

  • Separate youth and adult liability releases

  • New visitor release form for people who come to your facility with their horses

  • Easy fillable PDFs, including your ranch or stable name, to create professional looking contracts

For more details about this new package, see What’s In Our Forms.  If you have purchased our Boarding Agreement Package in the past and have not yet received your new forms, contact us and we’ll be happy to send them to you.

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